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United Community Bank
UCB
#3589
Rank
$3.97 B
Marketcap
๐Ÿ‡บ๐Ÿ‡ธ United States
Country
$33.22
Share price
-0.18%
Change (1 day)
18.18%
Change (1 year)
๐Ÿฆ Banks๐Ÿ’ณ Financial services
Categories
  1. United Community Bank
  2. Quarterly Reports (10-Q)
  3. Submitted on 2026-05-06

United Community Bank - 10-Q quarterly report FY


Text size:
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q
☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934
For the Quarterly Period Ended March 31, 2026
OR
☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934
For the Transition Period from ___________ to ___________
Commission file number 001-35095
UNITED COMMUNITY BANKS, INC.
(Exact name of registrant as specified in its charter)
Georgia 58-1807304
(State of incorporation) (I.R.S. Employer Identification No.)
200 East Camperdown Way
 
Greenville, South Carolina
29601
(Address of principal executive offices)(Zip code)
(800) 822-2651
(Registrant’s telephone number, including area code)
Securities registered pursuant to Section 12(b) of the Act:
Title of Each ClassTrading Symbol(s)Name of Each Exchange on Which Registered
Common stock, par value $1 per share
UCB
New York Stock Exchange

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.
Yes ☒ No ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Date File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).
Yes ☒ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.
Large accelerated filer☒Accelerated filer☐
Non-accelerated filer☐Smaller reporting company☐
Emerging growth company☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).
Yes ☐ No ☒

There were 119,686,643 shares of the registrant’s common stock, par value $1 per share, outstanding as of April 30, 2026.


UNITED COMMUNITY BANKS, INC.
FORM 10-Q
INDEX
3
4
PART I - Financial Information
 Item 1.Financial Statements 
  
5
    
  
6
    
  
7
  
8
    
9
    
  
10
    
 
30
    
 
47
    
 
47
    
PART II - Other Information
 
48
 
48
 
48
 
49

2

Glossary of Defined Terms

The following terms may be used throughout this report, including the consolidated financial statements and related notes.

TermDefinition
2025 10-K
United’s Annual Report on Form 10-K for the year ended December 31, 2025 filed with the SEC on February 17, 2026
ACLAllowance for credit losses
AFSAvailable-for-sale
ALCO
Asset/Liability Management Committee
ANBANB Holdings, Inc. and its wholly-owned subsidiary, American National Bank
AOCIAccumulated other comprehensive income (loss)
BankUnited Community Bank
BoardUnited Community Banks Inc., Board of Directors
BOLIBank-owned life insurance
CECL
Current expected credit losses
CET1Common equity tier 1
CMEChicago Mercantile Exchange
CRE
Commercial real estate
CompanyUnited Community Banks Inc. (interchangeable with "United" below)
DTA
Deferred tax asset
DTL
Deferred tax liability
FDICFederal Deposit Insurance Corporation
FDMModification made to borrowers experiencing financial difficulty
Federal Reserve
Federal Reserve Bank
FHLBFederal Home Loan Bank
FTEFully taxable equivalent
GAAPAccounting principles generally accepted in the United States of America
GSEU.S. government-sponsored enterprise
Holding CompanyUnited Community Banks, Inc. on an unconsolidated basis
HTMHeld-to-maturity
MD&AManagement's Discussion and Analysis of Financial Condition and Results of Operations
MBSMortgage-backed securities
NOWNegotiable order of withdrawal
NPANonperforming asset
OCIOther comprehensive income (loss)
OREOOther real estate owned
Peach State
Peach State Bancshares, Inc. and its wholly owned-subsidiary, Peach State Bank & Trust
Report
Quarterly Report on Form 10-Q for the quarterly period ending March 31, 2026
SBAUnited States Small Business Administration
SEC
United States Securities and Exchange Commission
UnitedUnited Community Banks, Inc. and its direct and indirect subsidiaries
USDAUnited States Department of Agriculture
3

Cautionary Note Regarding Forward-looking Statements
 
This Report contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are neither statements of historical or current fact nor are they assurances of future performance and generally can be identified by the use of forward-looking terminology such as “believes”, “expects”, “may”, “will”, “could”, “should”, “projects”, “plans”, “goal”, “targets”, “potential”, “estimates”, “pro forma”, “seeks”, “intends”, or “anticipates”, or similar expressions. Forward-looking statements include discussions of strategy, financial projections, guidance and estimates (including their underlying assumptions), statements regarding plans, objectives, expectations or consequences of various transactions (including the expected closing date of our merger with Peach State) or events, and statements about our future performance, operations, products and services, and should be viewed with caution.

Because forward-looking statements relate to the future, they are subject to known and unknown risks, uncertainties, assumptions, and changes in circumstances, many of which are beyond our control, and that are difficult to predict as to timing, extent, likelihood and degree of occurrence, and that could cause actual results to differ materially from the results implied or anticipated by the statements. Important factors that could cause our actual results and financial condition to differ materially from those indicated in the forward-looking statements include, but are not limited to the following:

•negative economic and political conditions that adversely affect the general economy, the banking sector, housing prices, the real estate market, the job market, consumer confidence, the financial condition of our borrowers and consumer spending habits, which may affect, among other things, the levels of NPAs, charge-offs and provision expense;
•changes in loan underwriting, credit review or loss policies associated with economic conditions, examination conclusions or regulatory developments;
•the potential effects of pandemics or public health conditions on the economic and business environments in which we operate, including the impact of actions taken by governmental authorities to address these conditions;
•strategic, market, operational, liquidity and interest rate risks associated with our business;
•potential fluctuations or unanticipated changes in the interest rate environment, including interest rate changes made by the Federal Reserve, replacement or reform of other interest rate benchmarks, as well as cash flow reassessments may reduce net interest margin and/or the volumes and values of loans made or held as well as the value of other financial assets;
•any unanticipated or greater than anticipated adverse conditions in the national or local economies in which we operate;
•our loan concentration in industries or sectors that may experience unanticipated or greater than anticipated adverse conditions than other industries or sectors in the national or local economies in which we operate;
•the risks of expansion into new geographic or product markets;
•risks with respect to our ability to identify and complete future mergers or acquisitions as well as our ability to successfully expand and integrate those businesses and operations that we acquire;
•the ability by each of United and Peach State to obtain required governmental approvals of the proposed transaction on the timeline expected, or at all and without the imposition of adverse conditions; the failure to satisfy other conditions to completion of the proposed Peach State merger, including the approval by Peach State shareholders, or any unexpected delay in closing the proposed transaction or the occurrence of any event, change or other circumstances that could give rise to the termination of the Peach State merger agreement;
•the outcome of any legal or regulatory proceedings or governmental inquiries or investigations that may be currently pending or later instituted against United or Peach State that relate to the proposed Peach State merger;
•the risk that the cost savings and any revenue synergies from the Peach State merger may not be realized or take longer than anticipated to be realized or that the costs, fees, expenses and charges related to the merger may be greater than anticipated;
•disruption from the Peach State merger of customer, supplier, employee or other business partner relationships of United or Peach State;
•our ability to attract and retain key employees;
•competition from financial institutions and other financial service providers including non-bank financial technology providers and our ability to attract customers from other financial institutions;
•losses due to fraudulent and negligent conduct of our customers, third-party service providers or employees;
•cybersecurity risks and the vulnerability of our network and online banking portals, and the systems or parties with whom we contract, to unauthorized access, computer viruses, phishing schemes, spam attacks, human error, natural disasters, power loss and other security breaches that could adversely affect our business and financial performance or reputation;
•our reliance on third parties to provide key components of our business infrastructure and services required to operate our business;
•the risk that we may be required to make substantial expenditures to keep pace with regulatory initiatives and the rapid technological changes in the financial services market; including those accelerated by the use of artificial intelligence and machine learning;
•the availability of and access to capital, particularly if there were to be increased capital requirements or enhanced regulatory supervision;
•legislative, regulatory or accounting changes that may adversely affect us;
•volatility in the ACL resulting from the CECL methodology, either alone or as that may be affected by conditions affecting our business;
•adverse results (including judgments, costs, fines, reputational harm, inability to obtain necessary approvals and/or other negative effects) from current or future legislation, litigation, regulatory proceedings, examinations, investigations, or similar matters, or developments related thereto;
•government shutdowns, the effect of which could delay legislative activities or regulatory approval processes that could be harmful to our customers, business activities and strategic initiatives;
•any matter that would cause us to conclude that there was impairment of any asset, including intangible assets, such as goodwill;
•limitations on our ability to declare and pay dividends and other distributions from the Bank to the Holding Company, which could affect Holding Company liquidity, including its ability to pay dividends to shareholders or take other capital actions;
•the potential effects of events beyond our control that may have a destabilizing effect on financial markets and the economy, such as inflation or recession, terrorist activities, wars and other foreign conflicts, climate change and weather related events, disruptions in our customers’ supply chains, disruptions in transportation, essential utility outages or trade disputes and tariffs including threats thereof, either imposed by the U.S. or other trading partners in retaliation to U.S. tariffs; and
•other risks and uncertainties disclosed in documents filed or furnished by us with or to the SEC, any of which could cause actual results to differ materially from future results expressed, implied or otherwise anticipated by such forward-looking statements.

We caution readers that the foregoing list of factors is not exclusive, is not necessarily in order of importance and readers should not place undue reliance on forward-looking statements. Additional factors that may cause actual results to differ materially from those contemplated by any forward-looking statements also may be found in Item 1A, Risk Factors of our 2025 10-K and in Part II, Item 1A, “Risk Factors” of this Report. We do not intend to and, except as required by law, hereby disclaim any obligation to update or revise any forward-looking statement contained in this Report, which speaks only as of the date of its filing with the SEC, whether as a result of new information, future events, or otherwise.
4

Part I. FINANCIAL INFORMATION
Item 1. Financial Statements

UNITED COMMUNITY BANKS, INC.
Consolidated Balance Sheets (Unaudited)
(in thousands, except share data)March 31,
2026		December 31,
2025
ASSETS  
Cash and due from banks$177,025 $202,586 
Interest-bearing deposits in banks316,116 193,168 
Cash and cash equivalents493,141 395,754 
Trading securities103,384 — 
Debt securities available-for-sale3,574,546 3,750,863 
Debt securities held-to-maturity (fair value $1,878,414 and $1,918,426, respectively)
2,211,523 2,237,356 
Loans held for sale 41,357 39,381 
Loans and leases held for investment19,601,641 19,384,317 
Less allowance for credit losses - loans and leases(208,396)(210,429)
Loans and leases, net19,393,245 19,173,888 
Premises and equipment, net391,883 393,714 
Bank-owned life insurance365,492 364,184 
Goodwill and other intangible assets, net964,819 967,882 
Other assets (including $99,020 and $107,583 at fair value, respectively)
637,192 679,532 
Total assets$28,176,582 $28,002,554 
LIABILITIES AND SHAREHOLDERS’ EQUITY
Liabilities:
Deposits:
Noninterest-bearing demand$6,473,101 $6,252,252 
Interest-bearing deposits17,551,964 17,546,178 
Total deposits24,025,065 23,798,430 
Short-term borrowings— 85,000 
Long-term debt120,500 120,400 
Accrued expense and other liabilities (including $65,178 and $69,482 at fair value, respectively)
376,351 360,038 
Total liabilities24,521,916 24,363,868 
Shareholders' equity:
Common stock, $1 par value: 200,000,000 shares authorized,
  119,684,031 and 120,598,266 shares issued and outstanding, respectively
119,684 120,598 
Capital surplus2,721,132 2,754,399 
Retained earnings968,188 914,261 
Accumulated other comprehensive loss(154,338)(150,572)
Total shareholders' equity3,654,666 3,638,686 
Total liabilities and shareholders' equity$28,176,582 $28,002,554 

See accompanying notes to consolidated financial statements (unaudited).
5

UNITED COMMUNITY BANKS, INC.
Consolidated Statements of Income (Unaudited)
Three Months Ended
March 31,
(in thousands, except per share data)20262025
Net interest revenue:
Interest revenue:
Loans, including fees$286,077 $274,056 
Securities:
Taxable44,483 57,172 
Tax-exempt1,646 1,678 
Other1,755 2,451 
Total interest revenue333,961 335,357 
Interest expense:
Deposits98,029 118,934 
Short-term borrowings998 1,107 
Federal Home Loan Bank advances969 433 
Long-term debt1,201 2,862 
Total interest expense101,197 123,336 
Net interest revenue232,764 212,021 
Noninterest income:
Service charges and fees9,545 9,535 
Mortgage loan gains and other related fees8,029 6,122 
Wealth management fees4,629 4,465 
Net gains from sales of other loans1,893 1,396 
Lending and loan servicing fees3,971 4,165 
Securities gains, net133 6 
Other15,546 9,967 
Total noninterest income43,746 35,656 
Total revenue276,510 247,677 
Provision for credit losses10,853 15,419 
Noninterest expense:
Salaries and employee benefits101,249 84,267 
Communications and equipment14,102 13,699 
Occupancy11,725 10,929 
Advertising and public relations2,397 1,881 
Postage, printing and supplies2,757 2,561 
Professional fees5,576 5,931 
Lending and loan servicing expense2,582 1,987 
Outside services - electronic banking3,559 2,763 
FDIC assessments and other regulatory charges2,269 4,642 
Amortization of intangibles3,063 3,286 
Merger-related and other charges873 1,297 
Other7,150 7,856 
Total noninterest expense157,302 141,099 
Income before income taxes108,355 91,159 
Income tax expense24,066 19,746 
Net income$84,289 $71,413 
Net income available to common shareholders$83,737 $69,429 
Net income per common share:
Basic$0.69 $0.58 
Diluted0.69 0.58 
Weighted average common shares outstanding:
Basic120,498 120,043 
Diluted120,723 120,201 
See accompanying notes to consolidated financial statements (unaudited).
6

UNITED COMMUNITY BANKS, INC.
Consolidated Statements of Comprehensive Income (Unaudited)
Three Months Ended March 31,
(in thousands)Before-tax
Amount		Tax
(Expense)
Benefit		Net of Tax
Amount
2026
Net income$108,355 $(24,066)$84,289 
Other comprehensive loss:
Unrealized losses on available-for-sale securities:
Unrealized holding losses(1,305)300 (1,005)
Reclassification adjustment for gains included in net income(133)28 (105)
Net unrealized losses on available-for-sale securities(1,438)328 (1,110)
Amortization of unrealized losses on held-to-maturity securities transferred from available-for-sale1,731 (437)1,294 
Derivative instruments designated as cash flow hedges:
Unrealized holding gains on derivatives671 (169)502 
Gains on derivative instruments realized in net income(5,968)1,507 (4,461)
Net cash flow hedge activity(5,297)1,338 (3,959)
Amortization of defined benefit pension plan net periodic pension cost components13 (4)9 
Total other comprehensive loss(4,991)1,225 (3,766)
Comprehensive income$103,364 $(22,841)$80,523 
2025
Net income$91,159 $(19,746)$71,413 
Other comprehensive income:
Unrealized gains on available-for-sale securities:
Unrealized holding gains34,624 (8,170)26,454 
Reclassification adjustment for gains included in net income(6)2 (4)
Net unrealized gains on available-for-sale securities34,618 (8,168)26,450 
Amortization of unrealized losses on held-to-maturity securities transferred from available-for-sale1,964 (464)1,500 
Derivative instruments designated as cash flow hedges:
Unrealized holding losses on derivatives(989)250 (739)
Gains on derivative instruments realized in net income(1,121)283 (838)
Net cash flow hedge activity(2,110)533 (1,577)
Amortization of defined benefit pension plan net periodic pension cost components(17)4 (13)
Total other comprehensive income34,455 (8,095)26,360 
Comprehensive income$125,614 $(27,841)$97,773 

See accompanying notes to consolidated financial statements (unaudited).
7

UNITED COMMUNITY BANKS, INC.
Consolidated Statement of Changes in Shareholders’ Equity (Unaudited)
(in thousands except share and per share data) 
Shares of Common StockPreferred StockCommon StockCapital SurplusRetained Earnings
Accumulated
Other Comprehensive Loss
Total
Balance at December 31, 2025120,598,266 $— $120,598 $2,754,399 $914,261 $(150,572)$3,638,686 
Net income84,289 84,289 
Other comprehensive loss(3,766)(3,766)
Purchases of common stock(1,090,402)(1,090)(36,313)(37,403)
Common stock dividends ($0.25 per share)
(30,362)(30,362)
Impact of equity-based compensation awards128,204 128 3,301 3,429 
Impact of other United sponsored equity plans47,963 48 (255)(207)
Balance at March 31, 2026119,684,031 $— $119,684 $2,721,132 $968,188 $(154,338)$3,654,666 
Balance at December 31, 2024119,364,110 $88,266 $119,364 $2,723,278 $714,138 $(212,919)$3,432,127 
Net income71,413 71,413 
Other comprehensive income26,360 26,360 
Preferred stock dividends(1,573)(1,573)
Common stock dividends ($0.24 per share)
(29,007)(29,007)
Impact of equity-based compensation awards103,781 104 1,568 1,672 
Impact of other United sponsored equity plans46,407 46 (142)(96)
Balance at March 31, 2025119,514,298 $88,266 $119,514 $2,724,704 $754,971 $(186,559)$3,500,896 

See accompanying notes to consolidated financial statements (unaudited).
8

UNITED COMMUNITY BANKS, INC.
Consolidated Statements of Cash Flows (Unaudited)
Three Months Ended March 31,
(in thousands)20262025
Operating activities:  
Net income$84,289 $71,413 
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion, net19,819 11,448 
Provision for credit losses10,853 15,419 
Stock-based compensation3,342 2,321 
Deferred income tax expense6,055 168 
Securities gains, net(133)(6)
Net gains from sales of other loans(1,893)(1,396)
Changes in assets and liabilities:
Trading securities(103,384)— 
Loans held for sale(1,976)20,190 
Other assets41,987 19,878 
Accrued expense and other liabilities10,322 (40,803)
Net cash provided by operating activities69,281 98,632 
Investing activities:
Debt securities held-to-maturity:
Proceeds from maturities and calls26,850 30,757 
Debt securities available-for-sale:
Proceeds from sales25,030 53,476 
Proceeds from maturities and calls200,251 177,005 
Purchases(55,009)(58,856)
Net increase in loans(236,778)(253,750)
Payments for other investments(25,217)(11,236)
Proceeds from other investments23,405 6,076 
Purchases of premises and equipment(6,924)(4,313)
Other, net2,852 4,262 
Net cash used in investing activities(45,540)(56,579)
Financing activities:
Net increase in deposits226,611 301,392 
Net decrease in short-term borrowings(85,000)(195,000)
Proceeds from FHLB advances475,000 126,000 
Repayment of FHLB advances(475,000)(126,000)
Repurchase of common stock(37,093)— 
Cash dividends on common stock(30,589)(29,057)
Cash dividends on preferred stock— (1,573)
Other, net(283)(976)
Net cash provided by financing activities73,646 74,786 
Net change in cash and cash equivalents97,387 116,839 
Cash and cash equivalents, beginning of period395,754 519,873 
Cash and cash equivalents, end of period$493,141 $636,712 
Significant non-cash investing and financing transactions:
Commitments to fund other investments $12,400 $— 
Unsettled securities purchases— 15,000 

See accompanying notes to consolidated financial statements (unaudited).
9
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)


Note 1 – Basis of Presentation

Basis of Presentation
United’s accounting and financial reporting policies conform to GAAP and reporting guidelines of banking regulatory authorities. The accompanying interim consolidated financial statements have not been audited. All material intercompany balances and transactions have been eliminated. A more detailed description of United’s accounting policies is included in its 2025 10-K.

During the first quarter of 2026, United established a trading securities portfolio as part of a hedging strategy to mitigate the volatility in the fair value of United’s mortgage servicing rights asset. The trading securities portfolio consists of U.S. Treasuries that are carried at fair value on the consolidated balance sheets. The securities are classified as Level 1 assets in the fair value hierarchy. Changes in the fair value of the securities are recognized in the consolidated statements of income in other noninterest income. Interest income on trading securities is included in securities interest revenue in the consolidated statements of income.
 
In management’s opinion, all necessary accounting adjustments have been made to fairly present the financial position and results of operations in the accompanying financial statements. These adjustments are normal and recurring accruals considered necessary for a fair and accurate presentation. The results for interim periods are not necessarily indicative of results for the full year or any other interim periods. The accompanying unaudited consolidated financial statements should be read in conjunction with the consolidated financial statements and related notes appearing in United’s 2025 10-K.

Note 2 – Investment Securities

The amortized cost basis, unrealized gains and losses and fair value of HTM debt securities as of the dates indicated are as follows.
(in thousands)Amortized
Cost		Gross Unrealized
Gains		Gross Unrealized
Losses		Fair
Value
As of March 31, 2026    
U.S. Treasuries$19,935 $— $917 $19,018 
U.S. Government Agencies & GSEs98,322 — 11,424 86,898 
State and political subdivisions281,815 17 45,244 236,588 
Residential MBS, Agency & GSEs1,161,317 8 170,735 990,590 
Commercial MBS, Agency & GSEs635,134 — 102,957 532,177 
Supranational entities15,000 — 1,857 13,143 
Total$2,211,523 $25 $333,134 $1,878,414 
As of December 31, 2025
U.S. Treasuries$19,927 $— $888 $19,039 
U.S. Government Agencies & GSEs98,851 — 11,233 87,618 
State and political subdivisions282,807 42 41,784 241,065 
Residential MBS, Agency & GSEs1,182,098 15 164,860 1,017,253 
Commercial MBS, Agency & GSEs638,673 — 98,391 540,282 
Supranational entities15,000 — 1,831 13,169 
Total$2,237,356 $57 $318,987 $1,918,426 

10
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)

The amortized cost basis, unrealized gains and losses, and fair value of AFS debt securities as of the dates indicated are presented below.
(in thousands)Amortized
Cost		Gross Unrealized
Gains		Gross Unrealized
Losses		Fair
Value
As of March 31, 2026    
U.S. Treasuries$476,555 $257 $3,916 $472,896 
U.S. Government Agencies & GSEs290,330 162 9,684 280,808 
State and political subdivisions160,393 1 10,153 150,241 
Residential MBS, Agency & GSEs1,419,548 6,258 82,530 1,343,276 
Residential MBS, Non-Agency266,723 4 12,862 253,865 
Commercial MBS, Agency & GSEs691,606 3,529 24,887 670,248 
Commercial MBS, Non-Agency7,746 — 124 7,622 
Corporate bonds140,041 23 5,978 134,086 
Asset-backed securities262,559 111 1,166 261,504 
Total$3,715,501 $10,345 $151,300 $3,574,546 
As of December 31, 2025
U.S. Treasuries$496,402 $1,106 $3,753 $493,755 
U.S. Government Agencies & GSEs308,096 129 9,875 298,350 
State and political subdivisions165,118 — 10,235 154,883 
Residential MBS, Agency & GSEs1,503,962 6,151 79,636 1,430,477 
Residential MBS, Non-Agency272,869 7 13,021 259,855 
Commercial MBS, Agency & GSEs704,318 4,896 24,897 684,317 
Commercial MBS, Non-Agency7,857 — 87 7,770 
Corporate bonds142,527 27 5,886 136,668 
Asset-backed securities285,435 294 941 284,788 
Total$3,886,584 $12,610 $148,331 $3,750,863 
 
As of March 31, 2026 and December 31, 2025 the carrying value of pledged securities totaled $2.77 billion and $2.98 billion, respectively. Securities were pledged primarily to secure public deposits.

The following table summarizes the fair values and gross unrealized losses of HTM debt securities as of the dates indicated based on the length of time that individual securities have been in a continuous unrealized loss position.
Length of Time in Unrealized Loss Position
 Less than 12 Months12 Months or MoreTotal
(in thousands)Fair ValueUnrealized
Loss		Fair ValueUnrealized
Loss		Fair ValueUnrealized
Loss
As of March 31, 2026      
U.S. Treasuries$— $— $19,018 $917 $19,018 $917 
U.S. Government Agencies & GSEs— — 86,898 11,424 86,898 11,424 
State and political subdivisions11,148 135 218,057 45,109 229,205 45,244 
Residential MBS, Agency & GSEs600 12 989,094 170,723 989,694 170,735 
Commercial MBS, Agency & GSEs6,134 270 526,043 102,687 532,177 102,957 
Supranational entities— — 13,143 1,857 13,143 1,857 
Total$17,882 $417 $1,852,253 $332,717 $1,870,135 $333,134 
As of December 31, 2025
U.S. Treasuries$— $— $19,039 $888 $19,039 $888 
U.S. Government Agencies & GSEs— — 87,618 11,233 87,618 11,233 
State and political subdivisions— — 226,464 41,784 226,464 41,784 
Residential MBS, Agency & GSEs— — 1,016,225 164,860 1,016,225 164,860 
Commercial MBS, Agency & GSEs— — 540,282 98,391 540,282 98,391 
Supranational entities— — 13,169 1,831 13,169 1,831 
Total$— $— $1,902,797 $318,987 $1,902,797 $318,987 

11
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)

The following table summarizes the fair values and gross unrealized losses of AFS debt securities as of the dates indicated based on the length of time that individual securities have been in a continuous unrealized loss position.
Length of Time in Unrealized Loss Position
 Less than 12 Months12 Months or MoreTotal
(in thousands)Fair ValueUnrealized
Loss		Fair ValueUnrealized
Loss		Fair ValueUnrealized
Loss
As of March 31, 2026      
U.S. Treasuries$210,849 $492 $111,280 $3,424 $322,129 $3,916 
U.S. Government Agencies & GSEs3,463 9 215,778 9,675 219,241 9,684 
State and political subdivisions1,526 2 145,545 10,151 147,071 10,153 
Residential MBS, Agency & GSEs77,377 574 760,369 81,956 837,746 82,530 
Residential MBS, Non-Agency32,343 525 221,143 12,337 253,486 12,862 
Commercial MBS, Agency & GSEs33,871 77 338,409 24,810 372,280 24,887 
Commercial MBS, Non-Agency— — 7,622 124 7,622 124 
Corporate bonds— — 132,149 5,978 132,149 5,978 
Asset-backed securities114,612 603 55,036 563 169,648 1,166 
Total$474,041 $2,282 $1,987,331 $149,018 $2,461,372 $151,300 
As of December 31, 2025
U.S. Treasuries$25,372 $3 $110,899 $3,750 $136,271 $3,753 
U.S. Government Agencies & GSEs49,487 167 211,151 9,708 260,638 9,875 
State and political subdivisions25 1 153,857 10,234 153,882 10,235 
Residential MBS, Agency & GSEs60,042 61 841,090 79,575 901,132 79,636 
Residential MBS, Non-Agency11,458 39 247,997 12,982 259,455 13,021 
Commercial MBS, Agency & GSEs13,138 46 356,038 24,851 369,176 24,897 
Commercial MBS, Non-Agency— — 7,770 87 7,770 87 
Corporate bonds— — 134,731 5,886 134,731 5,886 
Asset-backed securities81,248 408 58,594 533 139,842 941 
Total$240,770 $725 $2,122,127 $147,606 $2,362,897 $148,331 
 
At March 31, 2026, there were 487 AFS debt securities and 286 HTM debt securities that were in an unrealized loss position. United does not intend to sell nor does it believe it will be required to sell securities in an unrealized loss position prior to the recovery of their amortized cost basis. Unrealized losses at March 31, 2026 were primarily attributable to changes in interest rates.

At March 31, 2026 and December 31, 2025, the majority of HTM securities were considered to have a zero loss assumption for ACL purposes. For the remaining HTM securities, primarily those issued by state and political subdivisions, calculated credit losses, and, thus, the related ACL were de minimis due to the high credit quality of the portfolio. As a result, no ACL was recorded on the HTM portfolio at March 31, 2026 and December 31, 2025. In addition, based on the assessments performed at March 31, 2026 and December 31, 2025, there was no ACL required related to the AFS portfolio.

The following table presents accrued interest receivable on HTM and AFS debt securities, which was excluded from the estimate of credit losses, for the periods indicated.
Accrued Interest Receivable
(in thousands)March 31, 2026December 31, 2025
HTM$5,155 $5,486 
AFS15,594 16,413 
12
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)


The amortized cost and fair value of AFS and HTM debt securities at March 31, 2026, by contractual maturity, are presented in the following table.
 AFSHTM
(in thousands)Amortized CostFair ValueAmortized CostFair Value
Within 1 year:
U.S. Treasuries$240,109 $239,372 $— $— 
U.S. Government Agencies & GSEs27,145 26,695 — — 
State and political subdivisions5,389 5,366 — — 
Corporate bonds41,471 40,959 — — 
314,114 312,392 — — 
1 to 5 years:
U.S. Treasuries236,446 233,524 19,935 19,018 
U.S. Government Agencies & GSEs45,309 40,914 44,958 41,638 
State and political subdivisions47,822 44,202 35,191 33,557 
Corporate bonds87,658 83,119 — — 
Supranational entities— — 15,000 13,143 
417,235 401,759 115,084 107,356 
5 to 10 years:
U.S. Government Agencies & GSEs151,856 148,744 40,864 34,106 
State and political subdivisions66,905 61,561 85,833 74,770 
Corporate bonds10,912 10,008 — — 
229,673 220,313 126,697 108,876 
More than 10 years:
U.S. Government Agencies & GSEs66,020 64,455 12,500 11,154 
State and political subdivisions40,277 39,112 160,791 128,261 
106,297 103,567 173,291 139,415 
Debt securities not due at a single maturity date:
Asset-backed securities262,559 261,504 — — 
Residential MBS1,686,271 1,597,141 1,161,317 990,590 
Commercial MBS699,352 677,870 635,134 532,177 
2,648,182 2,536,515 1,796,451 1,522,767 
Total$3,715,501 $3,574,546 $2,211,523 $1,878,414 

Expected maturities may differ from contractual maturities because issuers and borrowers may have the right to call or prepay obligations.

Realized gains and losses are derived using the specific identification method for determining the cost of securities sold. The following table summarizes AFS securities sales activity for the three months ended March 31, 2026 and 2025.

 Three Months Ended
March 31,
(in thousands)20262025
Proceeds from sales$25,030 $53,476 
Gross realized gains$193 $6 
Gross realized losses(60)— 
Securities gains, net$133 $6 
Income tax expense attributable to sales$28 $2 

In addition, during the first quarter of 2026, United recognized $1.07 million in net losses on trading securities, of which $792,000 related to trading securities held at March 31, 2026.
13
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)


Equity Investments
The table below reflects the carrying value of certain equity investments, which are included in other assets on the consolidated balance sheet, as of the dates indicated.

(in thousands)
March 31, 2026December 31, 2025
Federal Reserve stock
$89,979 $89,979 
FHLB stock
18,000 18,049 
Equity securities with readily determinable fair values1,124 2,481 

Note 3 – Loans and Leases and Allowance for Credit Losses
 
Major classifications of the loan and lease portfolio (collectively referred to as the “loan portfolio” or “loans”) are summarized as of the dates indicated as follows.

(in thousands)March 31, 2026December 31, 2025
Owner occupied CRE$4,040,518 $3,949,898 
Income producing CRE4,983,718 5,032,342 
Commercial & industrial2,770,924 2,696,291 
Commercial construction & land1,072,140 997,802 
Equipment financing1,896,828 1,847,999 
Total commercial14,764,128 14,524,332 
Residential mortgage3,122,361 3,157,017 
Home equity1,343,785 1,319,474 
Residential construction & land185,353 190,625 
Consumer186,891 187,536 
Total loans, excluding fair value hedge basis adjustment19,602,518 19,378,984 
Fair value hedge basis adjustment(877)5,333 
     Total loans19,601,641 19,384,317 
Less ACL - loans(208,396)(210,429)
Loans, net$19,393,245 $19,173,888 

Accrued interest receivable related to loans totaled $58.4 million and $60.4 million at March 31, 2026 and December 31, 2025, respectively, and was reported in other assets on the consolidated balance sheets. Accrued interest receivable was excluded from the estimate of credit losses.

At March 31, 2026 and December 31, 2025, the loan portfolio included certain loans specifically pledged to the Federal Reserve as well as loans covered by a blanket lien on qualifying loan types with the FHLB to secure contingent funding sources.

The following table presents the amortized cost of certain loans held for investment that were sold in the periods indicated. The net gains or losses on these loan sales were included in noninterest income on the consolidated statements of income.

Three Months Ended March 31,
(in thousands)20262025
Guaranteed portion of SBA/USDA loans$26,300 $21,949 
Equipment financing receivables8,323 4,162 
Total$34,623 $26,111 
  
14
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)

Past Due and Nonaccrual Loans
The following table presents the aging of the amortized cost basis in loans by aging category and accrual status as of the dates indicated. Past due status is based on contractual terms of the loan. The accrual of interest is generally discontinued when a loan becomes 90 days past due.
 Accruing
Current LoansLoans Past Due
(in thousands)30 - 59 Days60 - 89 Days> 90 DaysNonaccrual LoansTotal Loans
As of March 31, 2026
Owner occupied CRE$4,021,346 $907 $— $— $18,265 $4,040,518 
Income producing CRE4,971,077 1,602 2 — 11,037 4,983,718 
Commercial & industrial2,747,868 2,226 940 — 19,890 2,770,924 
Commercial construction & land1,071,212 911 — — 17 1,072,140 
Equipment financing1,880,042 5,243 3,519 — 8,024 1,896,828 
Total commercial14,691,545 10,889 4,461 — 57,233 14,764,128 
Residential mortgage3,082,510 7,633 312 — 31,906 3,122,361 
Home equity1,334,354 3,112 110 — 6,209 1,343,785 
Residential construction & land184,988 10 — — 355 185,353 
Consumer185,387 312 183 — 1,009 186,891 
Total loans$19,478,784 $21,956 $5,066 $— $96,712 $19,602,518 
As of December 31, 2025
Owner occupied CRE$3,932,261 $4,917 $1,555 $— $11,165 $3,949,898 
Income producing CRE5,019,437 916 501 — 11,488 5,032,342 
Commercial & industrial2,664,068 6,365 7,564 — 18,294 2,696,291 
Commercial construction & land997,772 12 — — 18 997,802 
Equipment financing1,826,790 6,637 4,189 — 10,383 1,847,999 
Total commercial14,440,328 18,847 13,809 — 51,348 14,524,332 
Residential mortgage3,118,540 5,286 768 — 32,423 3,157,017 
Home equity1,310,017 3,055 1,155 — 5,247 1,319,474 
Residential construction & land189,506 40 — — 1,079 190,625 
Consumer 185,814 569 152 — 1,001 187,536 
Total loans$19,244,205 $27,797 $15,884 $— $91,098 $19,378,984 

The following table presents nonaccrual loans held for investment by loan class for the periods indicated.
Nonaccrual Loans
 March 31, 2026December 31, 2025
(in thousands)With no allowanceWith an allowanceTotalWith no allowanceWith an allowanceTotal
Owner occupied CRE$11,730 $6,535 $18,265 $7,627 $3,538 $11,165 
Income producing CRE8,157 2,880 11,037 8,335 3,153 11,488 
Commercial & industrial13,452 6,438 19,890 7,965 10,329 18,294 
Commercial construction & land— 17 17 — 18 18 
Equipment financing78 7,946 8,024 71 10,312 10,383 
Total commercial33,417 23,816 57,233 23,998 27,350 51,348 
Residential mortgage5,077 26,829 31,906 4,861 27,562 32,423 
Home equity858 5,351 6,209 218 5,029 5,247 
Residential construction & land— 355 355 701 378 1,079 
Consumer— 1,009 1,009 — 1,001 1,001 
Total$39,352 $57,360 $96,712 $29,778 $61,320 $91,098 

At March 31, 2026 and December 31, 2025, United had $49.3 million and $41.5 million, respectively, in loans for which repayment is expected to be provided substantially through the operation or sale of the collateral. Estimated credit losses for these loans are based on the net realizable value of the collateral relative to the amortized cost of the loan. The majority of these loans are CRE and commercial and industrial loans.
15
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)


Lease Receivables
The equipment financing portfolio includes sales-type and direct financing lease receivables. The following table presents the components of the net investment in these lease receivables as of the dates indicated.
(in thousands)March 31, 2026December 31, 2025
Minimum future lease payments receivable$124,962 $117,209 
Estimated residual value of leased equipment7,995 7,659 
Initial direct costs2,619 2,410 
Security deposits(513)(496)
Unearned income(19,706)(18,411)
Net investment in leases$115,357 $108,371 

Minimum future lease payments expected to be received from equipment financing lease contracts as of March 31, 2026 were as follows: 
(in thousands)
Year 
Remainder of 2026$33,664 
202738,455 
202828,126 
202917,091 
20306,871 
Thereafter755 
Total$124,962 

Credit Quality Indicators
United utilizes internal risk ratings as the primary credit quality indicator as outlined below:

Commercial Purpose Loans. United analyzes commercial loans individually on an ongoing basis based on relevant information about the ability of borrowers to service their debt such as current financial information, historical payment experience, public information, and current industry and economic trends, among other factors. Commercial loans are categorized by the credit risk ratings of Pass, Special Mention, Substandard and Doubtful. Special Mention, Substandard and Doubtful ratings are defined by regulatory authorities and represent an elevated level of risk due to weaknesses identified related to the credit and/or borrower. Ratings within these categories are based on the severity of the weakness and the likelihood of repayment. Pass loans are considered to have a low probability of default and do not meet the criteria of the other ratings.

Consumer Purpose Loans. United applies a pass/fail grading system to all consumer purpose loans. Under this system, loans generally classified as “fail” are those that are on nonaccrual status, are 90 or more days past due, or meet certain bankruptcy status criteria. All other loans are classified as “pass”. For reporting purposes, loans in these categories that are classified as “fail” are reported as substandard and all other loans are reported as pass.

16
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)

The following tables present the risk category of term loans and gross charge-offs by vintage year, which is the year of origination or most recent renewal, as of the date indicated.
(in thousands)Term Loans by Origination YearRevolversRevolvers converted to term loansTotal
As of March 31, 202620262025202420232022Prior
Owner occupied CRE
Pass$221,464 $875,007 $447,253 $454,560 $565,839 $1,175,534 $118,142 $22,121 $3,879,920 
Special Mention— 3,051 6,917 9,579 23,748 26,176 2,751 226 72,448 
Substandard— 3,149 8,210 20,352 33,211 22,263 965 — 88,150 
Total owner occupied CRE$221,464 $881,207 $462,380 $484,491 $622,798 $1,223,973 $121,858 $22,347 $4,040,518 
Current period gross charge-offs$— $370 $— $368 $— $— $— $— $738 
Income producing CRE
Pass$261,516 $928,560 $399,823 $472,377 $1,027,589 $1,534,758 $59,140 $14,965 $4,698,728 
Special Mention19,804 14,340 1,691 2,171 107,368 19,305 — 109 164,788 
Substandard12,211 9,516 26,154 22,336 11,163 37,328 1,494 — 120,202 
Total income producing CRE$293,531 $952,416 $427,668 $496,884 $1,146,120 $1,591,391 $60,634 $15,074 $4,983,718 
Current period gross charge-offs$— $— $— $— $— $— $— $— $— 
Commercial & industrial
Pass$121,091 $652,912 $296,411 $256,594 $167,754 $349,535 $761,716 $9,151 $2,615,164 
Special Mention116 3,238 5,276 21,353 14,958 7,325 12,785 595 65,646 
Substandard449 7,219 16,412 33,143 5,543 10,286 11,416 5,646 90,114 
Total commercial & industrial$121,656 $663,369 $318,099 $311,090 $188,255 $367,146 $785,917 $15,392 $2,770,924 
Current period gross charge-offs$— $597 $— $922 $878 $600 $— $907 $3,904 
Commercial construction & land
Pass$132,250 $559,324 $227,494 $24,444 $43,068 $14,567 $59,036 $1,230 $1,061,413 
Special Mention— 5,081 139 — — 1,653 — — 6,873 
Substandard— 1,121 — 374 252 2,107 — — 3,854 
Total commercial construction & land$132,250 $565,526 $227,633 $24,818 $43,320 $18,327 $59,036 $1,230 $1,072,140 
Current period gross charge-offs$— $— $— $— $25 $— $— $— $25 
Equipment financing
Pass$240,558 $732,954 $438,174 $263,174 $156,338 $48,692 $— $— $1,879,890 
Special Mention— — 4,067 2,619 904 131 — — 7,721 
Substandard— 1,446 2,638 1,987 2,575 571 — — 9,217 
Total equipment financing$240,558 $734,400 $444,879 $267,780 $159,817 $49,394 $— $— $1,896,828 
Current period gross charge-offs$— $562 $1,865 $1,834 $2,391 $527 $— $— $7,179 
Residential mortgage
Pass$46,457 $200,087 $116,235 $293,120 $898,882 $1,527,839 $— $2,511 $3,085,131 
Substandard— 638 3,503 7,222 11,200 14,592 — 75 37,230 
Total residential mortgage$46,457 $200,725 $119,738 $300,342 $910,082 $1,542,431 $— $2,586 $3,122,361 
Current period gross charge-offs$— $58 $— $91 $35 $— $— $— $184 
Home equity
Pass$— $— $— $— $— $— $1,299,028 $38,031 $1,337,059 
Substandard— — — — — — — 6,726 6,726 
Total home equity$— $— $— $— $— $— $1,299,028 $44,757 $1,343,785 
Current period gross charge-offs$— $— $— $— $— $— $— $— $— 
Residential construction & land
Pass$11,053 $123,817 $31,597 $6,234 $4,541 $7,665 $— $85 $184,992 
Substandard— — 80 172 14 95 — — 361 
Total residential construction & land$11,053 $123,817 $31,677 $6,406 $4,555 $7,760 $— $85 $185,353 
Current period gross charge-offs$— $— $37 $— $— $— $— $— $37 
Consumer
Pass$26,360 $70,396 $35,252 $18,759 $10,384 $2,894 $21,451 $143 $185,639 
Substandard— 87 247 485 147 286 — — 1,252 
Total consumer$26,360 $70,483 $35,499 $19,244 $10,531 $3,180 $21,451 $143 $186,891 
Current period gross charge-offs$638 $67 $39 $68 $8 $— $13 $833 

17
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)

(in thousands)Term Loans by Origination YearRevolversRevolvers converted to term loansTotal
As of December 31, 202520252024202320222021Prior
Owner occupied CRE
Pass$882,017 $459,608 $468,682 $587,671 $505,329 $733,146 $122,462 $22,745 $3,781,660 
Special Mention1,721 1,341 14,369 24,247 18,972 7,656 4,176 228 72,710 
Substandard3,157 8,412 20,122 31,791 6,709 22,454 2,883 — 95,528 
Total owner occupied CRE$886,895 $469,361 $503,173 $643,709 $531,010 $763,256 $129,521 $22,973 $3,949,898 
Current period gross charge-offs$— $185 $1,905 $2,162 $— $942 $— $— $5,194 
Income producing CRE
Pass$916,381 $430,561 $541,924 $1,107,955 $812,859 $863,815 $62,677 $12,714 $4,748,886 
Special Mention13,726 14,176 2,144 123,531 7,769 6,341 — 109 167,796 
Substandard9,652 26,439 22,478 1,199 16,954 36,816 2,122 — 115,660 
Total income producing CRE$939,759 $471,176 $566,546 $1,232,685 $837,582 $906,972 $64,799 $12,823 $5,032,342 
Current period gross charge-offs$— $— $— $1,970 $— $— $— $— $1,970 
Commercial & industrial
Pass$668,959 $357,553 $279,488 $178,064 $149,382 $225,469 $675,062 $9,342 $2,543,319 
Special Mention3,364 18,886 21,622 18,235 1,353 3,387 8,537 448 75,832 
Substandard7,719 2,849 36,127 6,330 4,289 7,506 11,104 1,216 77,140 
Total commercial & industrial$680,042 $379,288 $337,237 $202,629 $155,024 $236,362 $694,703 $11,006 $2,696,291 
Current period gross charge-offs$46 $1,197 $10,327 $1,506 $218 $408 $— $2,240 $15,942 
Commercial construction & land
Pass$562,952 $236,154 $63,716 $20,804 $9,230 $11,002 $54,745 $1,039 $959,642 
Special Mention4,352 743 — 28,159 1,550 — — — 34,804 
Substandard225 388 381 255 18 2,089 — — 3,356 
Total commercial construction & land$567,529 $237,285 $64,097 $49,218 $10,798 $13,091 $54,745 $1,039 $997,802 
Current period gross charge-offs$— $2,020 $— $— $130 $— $— $— $2,150 
Equipment financing
Pass$792,800 $487,499 $300,427 $186,094 $49,410 $16,468 $— $— $1,832,698 
Special Mention— 2,061 — 994 227 — — — 3,282 
Substandard1,081 3,090 3,035 3,731 730 352 — — 12,019 
Total equipment financing$793,881 $492,650 $303,462 $190,819 $50,367 $16,820 $— $— $1,847,999 
Current period gross charge-offs$504 $3,831 $7,681 $10,018 $2,255 $668 $— $— $24,957 
Residential mortgage
Pass$199,825 $116,567 $308,491 $921,713 $910,553 $661,298 $— $2,612 $3,121,059 
Substandard310 2,619 7,470 11,604 3,274 10,604 — 77 35,958 
Total residential mortgage$200,135 $119,186 $315,961 $933,317 $913,827 $671,902 $— $2,689 $3,157,017 
Current period gross charge-offs$— $4 $560 $76 $— $— $— $6 $646 
Home equity
Pass$— $— $— $— $— $— $1,277,604 $36,074 $1,313,678 
Substandard— — — — — — — 5,796 5,796 
Total home equity$— $— $— $— $— $— $1,277,604 $41,870 $1,319,474 
Current period gross charge-offs$— $— $— $— $— $— $— $170 $170 
Residential construction & land
Pass$110,016 $50,363 $9,612 $9,156 $3,637 $6,676 $— $86 $189,546 
Substandard— 80 879 15 64 41 — — 1,079 
Total residential construction & land$110,016 $50,443 $10,491 $9,171 $3,701 $6,717 $— $86 $190,625 
Current period gross charge-offs$— $— $118 $124 $— $47 $— $— $289 
Consumer
Pass$85,779 $41,201 $22,689 $12,571 $2,911 $705 $20,522 $122 $186,500 
Substandard7 161 483 164 45 176 — — 1,036 
Total consumer$85,786 $41,362 $23,172 $12,735 $2,956 $881 $20,522 $122 $187,536 
Current period gross charge-offs$3,331 $533 $232 $94 $88 $37 $— $154 $4,469 

18
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)


Modifications to Borrowers Experiencing Financial Difficulty
The period-end amortized cost and additional information regarding loans modified under the terms of a FDM during the three months ended March 31, 2026 and 2025 are presented in the following tables.

Three Months Ended March 31, 2026
Amortized Cost of New FDMs by Type of Modification
(in thousands)
ExtensionPayment DelayRate Reduction & Payment DelayRate ReductionPayment Delay & ExtensionRate Reduction, Payment Delay & ExtensionTotal% of Total Class of Receivable
FDMs defaulted within 12 months of modification
Owner occupied CRE$— $462 $— $— $— $— $462 — %$— 
Commercial & industrial41 3,501 — — — — 3,542 0.1 — 
Equipment financing— — — — 6,276 — 6,276 0.3 861 
Residential mortgage— — 512 647 — 1,144 2,303 0.1 285 
Home equity— — — 67 — — 67 — — 
Total$41 $3,963 $512 $714 $6,276 $1,144 $12,650 0.1 $1,146 

Three Months Ended March 31, 2025
Amortized Cost of New FDMs by Type of Modification
(in thousands)
Payment DelayRate ReductionRate Reduction & ExtensionPayment Delay & ExtensionPrincipal ForgivenessTotal% of Total Class of Receivable
FDMs defaulted within 12 months of modification
Owner occupied CRE$1,472 $— $— $— $— $1,472 — %$— 
Commercial & industrial— — — — 694 694 — — 
Equipment financing— — — 4,917 — 4,917 0.3 7 
Residential mortgage— 166 1,514 — — 1,680 0.1 267 
Home equity— 72 — — — 72 — — 
Total$1,472 $238 $1,514 $4,917 $694 $8,835 — $274 

The following table presents the aging category and accrual status of loans modified under the terms of a FDM during the previous 12 months on an amortized cost basis as of the dates indicated.

Accruing
Loans Past Due
(in thousands)
Current
30 - 59 Days60 - 89 Days> 90 Days
Nonaccrual
Total
As of March 31, 2026
Owner occupied CRE$— $— $— $— $462 $462 
Commercial & industrial3,697 76 — — 61 3,834 
Equipment financing12,929 163 285 — 1,312 14,689 
Residential mortgage1,721 — — — 3,905 5,626 
Home equity85 — — — 761 846 
Consumer— — — — 94 94 
Total$18,432 $239 $285 $— $6,595 $25,551 
As of March 31, 2025
Owner occupied CRE$2,601 $— $— $— $268 $2,869 
Income producing CRE12,239 — — — 8,154 20,393 
Commercial & industrial3,548 366 — — 828 4,742 
Equipment financing9,167 517 228 — 789 10,701 
Residential mortgage2,948 — — — 1,922 4,870 
Home equity— — — — 72 72 
Consumer95 — — — 81 176 
Total$30,598 $883 $228 $— $12,114 $43,823 

19
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)


Allowance for Credit Losses
The ACL for loans represents management’s estimate of life of loan credit losses in the portfolio as of the end of the period. The ACL related to unfunded commitments is included in other liabilities in the consolidated balance sheet.

For all periods presented, United used a one-year reasonable and supportable forecast period. Expected credit losses were estimated using a regression model for each segment based on historical data from peer banks combined with a baseline economic forecast to predict the change in credit losses. These estimates were then combined with a starting value that was based on United’s recent charge-off experience to produce an expected default rate, with the results subject to a floor.

At March 31, 2026, the baseline economic forecast had improved relative to the forecast at December 31, 2025, particularly in the expected unemployment rate, which is a key assumption in our ACL model. The March forecast came out shortly after the Iran conflict began and predicted a short duration to the conflict. At March 31, 2026, United applied qualitative adjustments to increase the model’s calculated ACL for the income producing CRE, commercial & industrial, multifamily, commercial construction, residential mortgage and home equity portfolios. These qualitative adjustments were applied to better reflect management’s expectations of future performance and maintain directional consistency with internal credit measures, as well as the possibility of increased uncertainty in the economic forecast due to geopolitical risks and any resulting downstream impacts.

For periods beyond the reasonable and supportable forecast period of one year, United reverted to historical credit loss information on a straight line basis over two years. For most collateral types, United reverted to through-the-cycle average default rates using peer data. For loans secured by residential mortgages, the peer data was adjusted for changes in lending practices designed to mitigate the magnitude of losses observed during the 2008 financial crisis.

The following table presents the balance and activity in the ACL by portfolio segment for the periods indicated.
Three Months Ended March 31, 2026
(in thousands)Beginning BalanceCharge-OffsRecoveriesProvisionEnding Balance
Owner occupied CRE$24,888 $(738)$72 $905 $25,127 
Income producing CRE44,071 — 85 (2,798)41,358 
Commercial & industrial43,269 (3,904)595 3,736 43,696 
Commercial construction & land8,286 (25)19 1,918 10,198 
Equipment financing45,852 (7,179)1,344 2,845 42,862 
Residential mortgage29,241 (184)51 225 29,333 
Home equity11,849 — 54 866 12,769 
Residential construction & land1,799 (37)25 113 1,900 
Consumer1,174 (833)278 534 1,153 
ACL - loans210,429 (12,900)2,523 8,344 208,396 
ACL - unfunded commitments15,091 — — 2,509 17,600 
Total ACL$225,520 $(12,900)$2,523 $10,853 $225,996 

Three Months Ended March 31, 2025
(in thousands)Beginning
Balance		Charge-OffsRecoveriesProvisionEnding
Balance
Owner occupied CRE$19,873 $(271)$145 $1,758 $21,505 
Income producing CRE41,427 (1,020)302 5,108 45,817 
Commercial & industrial35,441 (3,362)915 4,710 37,704 
Commercial construction & land16,370 — 138 217 16,725 
Equipment financing47,415 (5,937)895 5,227 47,600 
Residential mortgage32,259 (49)50 (2,581)29,679 
Home equity11,247 — 62 (1,012)10,297 
Residential construction & land1,672 (226)7 169 1,622 
Manufactured housing450 — — (450)— 
Consumer844 (1,514)258 1,437 1,025 
ACL - loans206,998 (12,379)2,772 14,583 211,974 
ACL - unfunded commitments10,391 — — 836 11,227 
Total ACL$217,389 $(12,379)$2,772 $15,419 $223,201 
20
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)


Note 4 – Derivatives and Hedging Activities

The table below presents the fair value of derivative financial instruments, which are included in other assets and other liabilities on the consolidated balance sheet, as of the dates indicated.
March 31, 2026December 31, 2025
Notional Amount
Fair ValueNotional AmountFair Value
(in thousands)Derivative AssetDerivative LiabilityDerivative AssetDerivative Liability
Derivatives designated as hedging instruments:
Cash flow hedge of subordinated debt$— $— $— $100,000 $6,288 $— 
Cash flow hedges of trust preferred securities20,000 — — 20,000 — — 
Fair value hedges of AFS debt securities 776,521 — — 785,009 — — 
Fair value hedges of loans775,000 — — 1,900,000 — — 
Total1,571,521 — — 2,805,009 6,288 — 
Derivatives not designated as hedging instruments:
Customer derivative positions1,607,598 6,909 33,586 1,541,391 11,457 32,841 
Dealer offsets to customer derivative positions1,607,598 9,962 6,938 1,541,391 9,478 11,441 
Risk participations127,723 17 126 103,668 — 108 
Mortgage banking - loan commitments84,989 1,547 3 41,125 1,027 — 
Mortgage banking - forward sales commitment138,214 990 76 94,219 8 225 
Bifurcated embedded derivatives51,935 7,465 — 51,935 7,055 — 
Dealer offsets to bifurcated embedded derivatives51,935 — 8,746 51,935 — 8,382 
Total3,669,992 26,890 49,475 3,425,664 29,025 52,997 
Total derivatives$5,241,513 $26,890 $49,475 $6,230,673 $35,313 $52,997 
Total gross derivative instruments$26,890 $49,475 $35,313 $52,997 
Less: Amounts subject to master netting agreements(4,956)(4,956)(7,917)(7,917)
Less: Cash collateral received/pledged(6,275)(10,042)(8,305)(12,156)
Net amount$15,659 $34,477 $19,091 $32,924 

United clears certain derivatives centrally through the CME. CME rules legally characterize variation margin payments for centrally cleared derivatives as settlements of the derivatives’ exposure rather than as collateral. As a result, the variation margin payment and the related derivative instruments are considered a single unit of account for accounting purposes. Variation margin, as determined by the CME, is settled daily. As a result, derivative contracts that clear through the CME have an estimated fair value of zero.

Hedging Derivatives

Cash Flow Hedges of Interest Rate Risk 
During the periods covered by this Report, United utilized interest rate caps and swaps to hedge the variability of cash flows due to changes in interest rates on certain of its variable-rate subordinated debt and trust preferred securities. Gains and losses related to changes in fair value of the hedges are reclassified into earnings in the periods the hedged forecasted transactions occur. Over the next twelve months, United expects to reclassify $632,000 of gains from AOCI into earnings related to its interest rate swap agreements.

During the first quarter of 2026, United terminated the interest rate cap that had been designated as a hedge of its subordinated debt, after providing redemption notice on the subordinated debt during the period, which rendered the future cash flows no longer probable of occurring.

Fair Value Hedges of Interest Rate Risk 
United uses interest rate derivatives to manage its exposure to changes in fair value attributable to changes in interest rates on certain of its fixed-rate financial instruments.

21
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)

The table below presents the effect of derivatives in hedging relationships, all of which are interest rate contracts, on earnings for the periods indicated.
Affected Income Statement Line Item Increase/(Decrease) to EarningsThree Months Ended
March 31,
(in thousands)20262025
Fair value hedges:
AFS securities:
Amounts related to interest settlements on derivatives$101 $1,341 
Gain (loss) recognized on derivative
3,906 (8,304)
(Loss) gain recognized on hedged items
(3,796)8,407 
Net income recognized on AFS securities fair value hedges
Interest revenue - securities
$211 $1,444 
Loans:
Amounts related to interest settlements on derivatives$(2,332)$(560)
Gain (loss) recognized on derivatives
6,527 (2,008)
(Loss) gain recognized on hedged items
(6,210)2,195 
Net loss recognized on loan fair value hedges
Interest revenue - loans, including fees$(2,015)$(373)
Cash flow hedges:
Long-term debt
Amounts related to interest settlements on derivatives (1)
Interest expense- long term debt$784 $1,121 
Gain on termination of hedge of subordinated debt
Other noninterest income
5,184 — 
Net income recognized on cash flow hedges
$5,968 $1,121 
 (1) Includes premium amortization expense excluded from the assessment of hedge effectiveness of $97,000 and $116,000 for the three months ended March 31, 2026 and 2025, respectively.

The table below presents the carrying amount of hedged items and cumulative fair value hedging basis adjustments for the periods presented. All fair value hedges of AFS debt securities and loans at March 31, 2026 and December 31, 2025 were designated under the portfolio layer method.

(in thousands)March 31, 2026December 31, 2025
Balance Sheet Location
Carrying Amount
Hedge Accounting Basis Adjustment
Hedged Portfolio Layer
Carrying Amount
Hedge Accounting Basis AdjustmentHedged Portfolio Layer
Debt securities AFS (1)
$958,216 $483 $776,521 $971,854 $4,279 $785,009 
Loans and leases held for investment3,427,549 (877)775,000 3,556,859 5,333 1,900,000 
(1) Carrying amount for AFS debt securities reflects amortized cost, which excludes the hedge accounting basis adjustment.

Derivatives Not Designated as Hedging Instruments 
Customer derivative positions include swaps, caps, and collars between United and certain commercial loan customers with offsetting positions to dealers under a back-to-back program. In addition, United occasionally enters into credit risk participation agreements with counterparty banks to accept or transfer a portion of the credit risk related to interest rate swaps.

United also has three interest rate swap contracts that are economic hedges of market-linked brokered certificates of deposit, which contain embedded derivatives that are bifurcated from the host instruments. The fair value marks on the swaps and the bifurcated embedded derivatives tend to move in opposite directions and therefore provide an economic hedge.
  
In addition, in connection with residential mortgage loans that are originated with the intention of selling them, United enters into commitments to originate residential mortgage loans and forward loan sales commitments.

22
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)

The table below presents the gains and losses recognized in income on derivatives not designated as hedging instruments for the periods indicated.
Location of Gain (Loss) Recognized in Income on DerivativesAmount of Gain (Loss) Recognized in Income on Derivatives
Three Months Ended March 31,
(in thousands)20262025
Customer derivatives and dealer offsets Other noninterest income$1,183 $944 
Bifurcated embedded derivatives and dealer offsetsOther noninterest income2 6 
Mortgage banking derivativesMortgage loan gains and other related fees1,389 410 
Risk participationsOther noninterest income14 194 
  $2,588 $1,554 
 
Credit-Risk-Related Contingent Features 
United manages its credit exposure on derivatives transactions by entering into a bilateral credit support agreement with each non-customer counterparty. The credit support agreements require collateralization of exposures beyond specified minimum threshold amounts. The details of these agreements, including the minimum thresholds, vary by counterparty.
 
United’s agreements with each of its derivative counterparties provide that if either party defaults on any of its indebtedness, then it could also be declared in default on its derivative obligations. The agreements with derivative counterparties also include provisions that if not met, could result in United being declared in default. United has agreements with certain of its derivative counterparties that provide that if United fails to maintain its status as a well-capitalized institution or is subject to a prompt corrective action directive, the counterparty could terminate the derivative positions and United would be required to settle its obligations under the agreements. Derivatives that are centrally cleared do not have credit-risk-related features that would require additional collateral if United’s credit rating were downgraded.

Note 5 – Assets and Liabilities Measured at Fair Value
Accounting standards define fair value as the price that would be received for an asset or paid to transfer a liability in the principal or most advantageous market available to the entity in an orderly transaction between market participants on the measurement date. Fair values are categorized within a three-level measurement hierarchy:
Level 1 Valuation is based upon quoted prices (unadjusted) in active markets for identical assets or liabilities that United has the ability to access.
Level 2 Valuation is based upon quoted prices for similar assets and liabilities in active markets, as well as inputs that are observable for the asset or liability (other than quoted prices), such as interest rates, foreign exchange rates, and yield curves that are observable at commonly quoted intervals.
Level 3 Valuation is generated from model-based techniques that use at least one significant assumption based on unobservable inputs for the asset or liability, which are typically based on an entity’s own assumptions, as there is little, if any, related market activity.

United has processes in place to review the significant valuation inputs and to assesses on a quarterly basis how instruments are classified within the valuation framework. Transfers into or out of fair value hierarchy levels are made as the observability of input assumptions change. During the three months ended March 31, 2026, there were no changes to valuation approaches or techniques that warranted a hierarchy level change.

23
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)

Assets and Liabilities Measured at Fair Value on a Recurring Basis
The table below presents United’s assets and liabilities measured at fair value on a recurring basis as of the dates indicated, aggregated by the level in the fair value hierarchy within which those measurements fall.
(in thousands)
March 31, 2026Level 1Level 2Level 3Total
Assets:    
Trading securities:
U.S. Treasuries$103,384 $— $— $103,384 
AFS debt securities:    
U.S. Treasuries472,896 — — 472,896 
U.S. Government agencies & GSEs— 280,808 — 280,808 
State and political subdivisions— 150,241 — 150,241 
Residential MBS— 1,597,141 — 1,597,141 
Commercial MBS— 677,870 — 677,870 
Corporate bonds— 133,592 494 134,086 
Asset-backed securities— 261,504 — 261,504 
Equity securities— 1,124 — 1,124 
Mortgage loans held for sale— 41,357 — 41,357 
Mutual funds and other investments15,535 170 — 15,705 
Servicing rights for SBA/USDA loans— — 4,946 4,946 
Residential mortgage servicing rights— — 43,160 43,160 
Contingent consideration receivable— — 7,195 7,195 
Derivative financial instruments— 17,861 9,029 26,890 
Total assets$591,815 $3,161,668 $64,824 $3,818,307 
Liabilities:
Deferred compensation plan liability$15,533 $170 $— $15,703 
Derivative financial instruments— 40,600 8,875 49,475 
Total liabilities$15,533 $40,770 $8,875 $65,178 

(in thousands)
December 31, 2025Level 1Level 2Level 3Total
Assets:    
AFS debt securities:    
U.S. Treasuries$493,755 $— $— $493,755 
U.S. Government agencies & GSEs— 298,350 — 298,350 
State and political subdivisions— 154,883 — 154,883 
Residential MBS— 1,690,332 — 1,690,332 
Commercial MBS— 692,087 — 692,087 
Corporate bonds— 136,176 492 136,668 
Asset-backed securities— 284,788 — 284,788 
Equity securities— 2,481 — 2,481 
Mortgage loans held for sale— 39,381 — 39,381 
Mutual funds and other investments16,343 140 — 16,483 
Servicing rights for SBA/USDA loans— — 4,880 4,880 
Residential mortgage servicing rights— — 41,231 41,231 
Contingent consideration receivable— — 7,195 7,195 
Derivative financial instruments— 27,231 8,082 35,313 
Total assets$510,098 $3,325,849 $61,880 $3,897,827 
Liabilities:
Deferred compensation plan liability$16,345 $140 $— $16,485 
Derivative financial instruments— 44,507 8,490 52,997 
Total liabilities$16,345 $44,647 $8,490 $69,482 
 
24
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)

Level 3 Fair Value Measurements
The following table presents quantitative information about significant unobservable inputs related to United’s material categories of Level 3 financial instruments measured at fair value on a recurring basis as of the dates indicated.

Level 3 Assets and LiabilitiesValuation TechniqueSignificant Unobservable InputsMarch 31, 2026December 31, 2025
RangeWeighted AverageRangeWeighted Average
Residential mortgage servicing rightsDiscounted cash flowDiscount rate
9.0% - 12.7%
9.2%
9.5% - 12.5%
9.6%
Prepayment rate
5.0 - 50.6
7.9
5.5 - 25.3
7.5
Derivative assets - mortgageInternal modelPull through rate
75.0 - 100
92.3
60.0 - 100
91.6
Derivative assets and liabilities - otherDealer pricedDealer pricedN/AN/AN/AN/A
Contingent consideration receivableDiscounted cash flowDiscount rate
6.7 - 6.7
6.7
6.7 - 6.7
6.7
Probability of achievement
82.6 - 100
88.2
82.6 - 100
88.2

The table below presents a reconciliation of the beginning and ending balances of Level 3 assets and liabilities measured at fair value on a recurring basis for the periods indicated.
20262025
(in thousands)Derivative
Assets		Derivative
Liabilities		SBA/USDA Loan Servicing RightsResidential Mortgage Servicing RightsCorporate BondsContingent Consideration ReceivableDerivative
Assets		Derivative
Liabilities		SBA/USDA Loan Servicing RightsResidential Mortgage Servicing RightsCorporate BondsContingent Consideration Receivable
Three Months Ended March 31,
Beginning balance$8,082 $8,490 $4,880 $41,231 $492 $7,195 $11,656 $12,286 $4,697 $39,294 $2,226 $7,470 
Additions1,568 140 515 1,652 — — 1,842 321 442 1,052 — — 
Sales and settlements(921)— (204)(762)— — (605)— (137)(608)— (80)
Fair value adjustments included in OCI— — — — 2 — — — — — 4 — 
Fair value adjustments included in earnings300 245 (245)1,039 — — (1,574)(1,782)(82)(78)— — 
Ending balance$9,029 $8,875 $4,946 $43,160 $494 $7,195 $11,319 $10,825 $4,920 $39,660 $2,230 $7,390 
25
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)


Fair Value Option
United records mortgage loans held for sale at fair value under the fair value option. Interest income on these loans is calculated based on the note rate of the loan and is recorded in interest revenue. The following tables present the fair value and outstanding principal balance of loans accounted for under the fair value option, as well as the gain or loss recognized from the change in fair value for the periods indicated.
Mortgage Loans Held for Sale
(in thousands)March 31, 2026December 31, 2025
Outstanding principal balance$40,683 $38,187 
Fair value41,357 39,381 

Gain (Loss) from Change in Fair Value on Mortgage Loans Held for Sale
LocationThree Months Ended
March 31,
(in thousands)20262025
 Mortgage loan gains and other related fees
$(520)$(179)

Changes in fair value were mostly offset by hedging activities. An immaterial portion of these amounts was attributable to changes in instrument-specific credit risk.

Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis
United may be required, from time to time, to measure certain assets at fair value on a nonrecurring basis. These adjustments to fair value usually result from the application of the lower of the amortized cost or fair value accounting or write-downs of individual assets due to impairment. The following table presents the fair value hierarchy and carrying value of assets that were still held as of March 31, 2026 and December 31, 2025, for which a nonrecurring fair value adjustment was recorded during the year-to-date periods presented.
(in thousands)Level 1Level 2Level 3Total
March 31, 2026    
Loans held for investment$— $— $10,813 $10,813 
December 31, 2025
Loans held for investment$— $— $19,216 $19,216 

Loans held for investment that are reported above are generally impaired loans that have either been partially charged off or have specific reserves assigned to them.

Assets and Liabilities Not Measured at Fair Value
The following disclosure provides estimated fair values for financial instruments not carried at fair value on the Consolidated Balance Sheets. Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect the premium or discount on any particular financial instrument that could result from the sale of United’s entire holdings. All estimates are inherently subjective in nature. Changes in assumptions could significantly affect the estimates.

26
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)

Fair Value Level
(in thousands)Carrying AmountLevel 1Level 2Level 3Total
March 31, 2026     
Assets:     
HTM debt securities$2,211,523 $19,018 $1,859,396 $— $1,878,414 
Loans and leases, net19,393,245 — — 18,922,122 18,922,122 
Liabilities:
Deposits24,025,065 — 24,015,072 — 24,015,072 
Long-term debt120,500 — — 122,768 122,768 
December 31, 2025
Assets:
HTM debt securities$2,237,356 $19,039 $1,899,387 $— $1,918,426 
Loans and leases, net19,173,888 — — 18,651,481 18,651,481 
Liabilities:
Deposits23,798,430 — 23,790,107 — 23,790,107 
Long-term debt120,400 — — 120,279 120,279 
 
Note 6 – Reclassifications Out of AOCI

The following table presents the details regarding amounts reclassified out of AOCI for the periods indicated. Amounts shown in parentheses reduce earnings.
(in thousands)
Details about AOCI ComponentsThree Months Ended
March 31,		Affected Line Item in the Statement Where Net Income is Presented
20262025
Realized net gains on AFS securities:
$133 $6 Securities gains, net
 (28)(2)Income tax expense
 $105 $4 Net of tax
Amortization of unrealized losses on HTM securities transferred from AFS:
 $(1,731)$(1,964)Investment securities interest revenue
 437 464 Income tax expense
 $(1,294)$(1,500)Net of tax
Reclassifications related to derivative instruments accounted for as cash flow hedges:
Interest rate contracts$784 $1,121 Long-term debt interest expense
Gain on terminated cash flow hedge5,184 — Other noninterest income
 5,968 1,121 Total before tax
 (1,507)(283)Income tax expense
 $4,461 $838 Net of tax
Amortization of defined benefit pension plan net periodic pension cost components:
Prior service cost$(13)$(25)Salaries and employee benefits expense
Actuarial gain— 42 Other expense
 (13)17 Total before tax
 4 (4)Income tax expense
 $(9)$13 Net of tax
Total reclassifications for the period$3,263 $(645)Net of tax

27
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)

Note 7 – Earnings Per Share
 
The following table sets forth the computation of basic and diluted earnings per share for the periods indicated.
Three Months Ended
March 31,
(in thousands, except per share data)
20262025
Net income$84,289 $71,413 
Dividends on preferred stock— (1,573)
Earnings allocated to participating securities(552)(411)
Net income available to common shareholders$83,737 $69,429 
Weighted average shares outstanding:
Basic120,498 120,043 
Effect of dilutive securities:
Stock options48 88 
Restricted stock units177 70 
Diluted120,723 120,201 
Net income per common share:
Basic$0.69 $0.58 
Diluted$0.69 $0.58 
 
For the three months ended March 31, 2026 or 2025, United had no potentially dilutive instruments outstanding that were not included in the above analysis.

Note 8 – Regulatory Matters

As of March 31, 2026, United and the Bank were categorized as well-capitalized under the regulatory requirements in effect at that time. To be categorized as well-capitalized, United and the Bank must have exceeded the well-capitalized guideline ratios in effect at the time, as set forth in the table below, and have met certain other requirements. Management believes that United and the Bank exceeded all well-capitalized requirements at March 31, 2026, and there have been no conditions or events since quarter-end that would change the status of well-capitalized.

Regulatory capital ratios at March 31, 2026 and December 31, 2025, along with the minimum amounts required for capital adequacy purposes and to be well-capitalized under regulatory requirements in effect at such times, are presented below for United and the Bank:
United Community Banks, Inc.
(Consolidated)		United Community Bank
(dollars in thousands)
Minimum (1)
Well-
Capitalized		March 31,
2026		December 31,
2025		March 31,
2026		December 31,
2025
Risk-based ratios:
CET1 capital4.5 %6.5 %13.40 %13.44 %12.19 %12.34 %
Tier 1 capital6.0 8.0 13.40 13.44 12.19 12.34 
Total capital8.0 10.0 14.63 14.77 13.21 13.37 
Leverage ratio4.0 5.0 10.45 10.28 9.50 9.42 
CET1 capital$2,844,828 $2,824,732 $2,578,830 $2,582,475 
Tier 1 capital2,844,828 2,824,732 2,578,830 2,582,475 
Total capital3,106,528 3,104,806 2,795,530 2,797,549 
Risk-weighted assets21,235,038 21,019,967 21,156,468 20,931,562 
Average total assets for the leverage ratio27,210,274 27,469,241 27,142,302 27,401,675 
(1) As of March 31, 2026 and December 31, 2025, the minimum ratios as presented were subject to an additional capital conservation buffer of 2.50%

28
UNITED COMMUNITY BANKS, INC. AND SUBSIDIARIES
Notes to Consolidated Financial Statements (Unaudited)

Note 9 – Commitments and Contingencies
 
United is party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and letters of credit. United uses the same credit policies in making commitments and conditional obligations as it uses for underwriting on-balance sheet instruments. In most cases, collateral or other security is required to support financial instruments with credit risk.
 
The following table summarizes the contractual amount of significant off-balance sheet instruments as of the dates indicated.
(in thousands)March 31, 2026December 31, 2025
Financial instruments whose contract amounts represent credit risk:  
Commitments to extend credit$4,843,128 $4,732,083 
Letters of credit55,214 53,008 

United, in the normal course of business, is subject to various pending and threatened lawsuits in which claims for monetary damages are asserted. Although it is not possible to predict the outcome of these lawsuits, or the range of any possible loss, management, after consultation with legal counsel, does not anticipate that the ultimate aggregate liability, if any, arising from these lawsuits will have a material adverse effect on United’s financial position or results of operations.

Note 10 - Subsequent Events
Peach State Merger Announcement
On April 21, 2026, United entered into a definitive merger agreement to acquire Peach State Bancshares, Inc. and its wholly-owned subsidiary, Peach State Bank & Trust (collectively, “Peach State”), headquartered in Gainesville, Georgia. As of March 31, 2026, Peach State Bank & Trust reported total assets of $789 million, with total loans of $498 million and total deposits of $713 million.

Under the terms of the merger agreement, Peach State shareholders can elect to receive either the per share cash consideration of $31.75 or the per share stock consideration of 0.8978 shares of United common stock for each share of Peach State common stock outstanding, subject to proration such that 50% of the Peach State shares will receive stock consideration and 50% of the shares will receive cash consideration.

Debt Redemption
On April 30, 2026, United redeemed its 2028 subordinated debentures, which had an outstanding principal amount of $100 million.

29

Item 2.    Management’s Discussion and Analysis of Financial Condition and Results of Operations

The following is a discussion of our financial condition at March 31, 2026 and December 31, 2025 and our results of operations for the three months ended March 31, 2026 and 2025. The purpose of this discussion is to focus on information about our financial condition and results of operations which is not otherwise apparent from our consolidated financial statements and is intended to provide insight into our results of operations and financial condition. The following discussion and analysis should be read along with our consolidated financial statements and related notes included in Part I - Item 1 of this Report, “Cautionary Note Regarding Forward-Looking Statements” beginning on page 4 of this Report and the risk factors discussed in our Item 1A. of our 2025 10-K and in Part II, Item IA. of this Report.

Unless the context otherwise requires, in this Report, the terms “we,” “our,” “us” refer to United on a consolidated basis.
 
Non-GAAP Reconciliation and Explanation

This Report contains financial information determined by methods other than in accordance with GAAP. Such non-GAAP financial information includes the following measures: “tangible book value per common share,” and “tangible common equity to tangible assets.” In addition, management presents non-GAAP operating performance measures, which exclude merger-related and other items that are not part of our ongoing business operations. Operating performance measures include “noninterest income - operating,” “noninterest expense - operating,” “net income – operating,” “diluted income per common share – operating,” “return on common equity – operating,” “return on tangible common equity – operating,” and “return on assets – operating,” “efficiency ratio – operating” and “tangible common equity to tangible assets.” We have developed internal policies and procedures to accurately capture and account for merger-related and other charges we consider to be non-operating or non-recurring and those charges are reviewed with the Audit Committee of our Board each quarter. We use these non-GAAP measures because we believe they provide useful supplemental information for evaluating our operations and performance over periods of time, as well as in managing and evaluating our business and in discussions about our operations and performance. We believe these non-GAAP measures may also provide users of our financial information with a meaningful measure for assessing our financial results and credit trends, as well as a comparison to financial results for prior periods. Nevertheless, non-GAAP measures have inherent limitations, are not required to be uniformly applied and are not audited. These non-GAAP measures should be viewed in addition to, and not as an alternative to or substitute for, measures determined in accordance with GAAP. In addition, because non-GAAP measures are not standardized, it may not be possible to compare our non-GAAP measures to similarly titled measures used by other companies. To the extent applicable, reconciliations of these non-GAAP measures to the most directly comparable measures as reported in accordance with GAAP are included in Table 16 of MD&A.

Executive Overview and Results of Operations

Overview
 
We offer a wide array of commercial and consumer banking services and investment advisory solutions provided through a 200 banking office network throughout Georgia, South Carolina, North Carolina, Tennessee, Florida and Alabama. Our equipment finance and SBA/USDA lending businesses operate throughout the United States. At March 31, 2026, we had consolidated total assets of $28.2 billion and 3,118 full-time equivalent employees.

Merger Activity

Subsequent to the end of the first quarter, on April 21, 2026, we entered into a definitive merger agreement to acquire Peach State Bancshares, Inc. and its wholly-owned subsidiary, Peach State Bank & Trust, headquartered in Gainesville, Georgia. As of March 31, 2026, Peach State Bank & Trust reported total assets of $788 million, with total loans of $498 million and total deposits of $713 million. We expect the merger to close in the third quarter of 2026. See Note 10 to the Notes of the Financial Statements for further detail.

Results of Operations
We reported net income and diluted earnings per common share of $84.3 million and $0.69, respectively, for the first quarter of 2026. This compared to net income and diluted earnings per common share of $71.4 million and $0.58, respectively, for the same period in 2025. Net income - operating for the first quarter of 2026 was $84.7 million, which excluded merger-related and other charges and a $6.70 million one-time payroll transition bonus, which were partially offset by a $5.18 million gain on a terminated cash flow hedge and the $1.89 million release of an accrual for the special FDIC insurance assessment related to certain 2023 bank failures that the
30

FDIC announced it no longer intended to collect. Net income - operating for the first quarter of 2025 was $72.4 million and excluded merger-related and other charges.

We reported total revenue for the first quarters of 2026 and 2025 of $277 million and $248 million, respectively. FTE net interest revenue increased to $234 million for the first quarter of 2026, compared to $213 million for the first quarter of 2025. The increase was mostly driven by a $20.9 million decrease in deposit interest expense as the average rate paid on interest-bearing deposits decreased 52 basis points. The net interest margin increased to 3.65% for the three months ended March 31, 2026 from 3.36% for the same period in 2025, primarily due to the steeper decrease in interest rates paid on deposits compared to the decrease in interest rates earned on loans.
 
Noninterest income of $43.7 million for the first quarter of 2026 was up $8.09 million, or 23%, from the first quarter of 2025, primarily driven by the $5.18 million gain on the terminated cash flow hedge and a $1.39 million increase in other investment income.

We recorded provisions for credit losses of $10.9 million and $15.4 million for the first quarters of 2026 and 2025, respectively. The lower provision expense for the first quarter of 2026 mostly reflects a more favorable economic forecast compared to that of first quarter of 2025.

For the first quarter of 2026, noninterest expense of $157 million increased by $16.2 million compared to the same period of 2025. The increase was mostly driven by a $17.0 million increase in salaries and employee benefits, primarily due to the one-time payroll transition bonus of $6.70 million and higher total compensation, a portion of which resulted from the acquisition of ANB in the second quarter of 2025, annual merit increases that became effective April 1, 2025 and higher incentives. This was partially offset by a $2.37 million decrease in FDIC assessment and other regulatory charges, reflecting the release of the remaining FDIC special assessment accrual and a lower assessment rate for the first quarter of 2026 compared to the same period of 2025.

Results for the first quarter of 2026 are discussed in further detail throughout the following sections of MD&A.

31

UNITED COMMUNITY BANKS, INC.
Table 1 - Financial Highlights
 (dollars in thousands, except per share data)20262025
First Quarter
2026 - 2025 Change
First
Quarter
Fourth Quarter
Third Quarter
Second Quarter
First
 Quarter
INCOME SUMMARY 
Interest revenue$333,961 $346,367 $353,850 $347,365 $335,357 
Interest expense101,197 108,441 120,221 121,834 123,336 
Net interest revenue232,764 237,926 233,629 225,531 212,021 10 %
Noninterest income43,746 40,462 43,219 34,708 35,656 23 
Total revenue276,510 278,388 276,848 260,239 247,677 12 
Provision for credit losses10,853 13,662 7,907 11,818 15,419 (30)
Noninterest expense157,302 152,048 150,868 147,919 141,099 11 
Income before income tax expense108,355 112,678 118,073 100,502 91,159 19 
Income tax expense24,066 26,223 26,579 21,769 19,746 22 
Net income84,289 86,455 91,494 78,733 71,413 18 
Non-operating items508 606 3,468 4,833 1,297 n/m
Income tax benefit of non-operating items(113)(133)(751)(1,047)(281)n/m
Net income - operating (1)
$84,684 $86,928 $94,211 $82,519 $72,429 17 
PERFORMANCE MEASURES
Per common share:
Diluted net income - GAAP$0.69 $0.70 $0.70 $0.63 $0.58 19 
Diluted net income - operating (1)
0.70 0.71 0.75 0.66 0.59 19 
Cash dividends declared0.25 0.25 0.25 0.24 0.24 4 
Book value30.54 30.17 29.44 28.89 28.42 7 
Tangible book value (3)
22.56 22.24 21.59 21.00 20.58 10 
Key performance ratios:
Return on common equity - GAAP (2)(4)
9.35 %9.48 %9.20 %8.45 %7.89 %
Return on common equity - operating (1)(2)(4)
9.39 9.53 9.83 8.87 8.01 
Return on tangible common equity - operating (1)(2)(3)(4)
13.05 13.31 13.56 12.34 11.21 
Return on assets - GAAP (4)
1.22 1.21 1.29 1.11 1.02 
Return on assets - operating (1)(4)
1.22 1.22 1.33 1.16 1.04 
Net interest margin (FTE) (4)
3.65 3.62 3.58 3.50 3.36 
Efficiency ratio - GAAP56.66 54.40 54.30 56.69 56.74 
Efficiency ratio - operating (1)
55.65 54.19 53.05 54.84 56.22 
Equity to total assets12.97 12.99 12.78 12.86 12.56 
Tangible common equity to tangible assets (3)
9.92 9.92 9.71 9.45 9.18 
ASSET QUALITY
NPAs$98,623 $93,498 $97,916 $83,959 $93,290 6 
ACL - loans208,396 210,429 215,791 216,500 211,974 (2)
Net charge-offs10,377 16,418 7,676 8,225 9,607 8 
ACL - loans to loans1.06 %1.09 %1.13 %1.14 %1.15 %
Net charge-offs to average loans (4)
0.22 0.34 0.16 0.18 0.21 
NPAs to total assets0.35 0.33 0.35 0.30 0.33 
AT PERIOD END ($ in millions)
Loans$19,602 $19,384 $19,175 $18,921 $18,425 6 
Investment securities5,889 5,988 6,163 6,382 6,661 (12)
Total assets28,177 28,003 28,143 28,086 27,874 1 
Deposits24,025 23,798 24,021 23,963 23,762 1 
Shareholders’ equity3,655 3,639 3,597 3,613 3,501 4 
Common shares outstanding (thousands)119,684 120,598 121,553 121,431 119,514 — 
(1) Excludes non-operating items as detailed on Non-GAAP Performance Measures Reconciliation on page 46. (2) Net income less preferred stock dividends, divided by average realized common equity, which excludes AOCI. (3) Excludes effect of acquisition related intangibles and associated amortization. (4) Annualized.
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Net Interest Revenue

The following discussion provides additional details on the daily average balances and net interest revenue for the periods presented. The table that follows indicates the relationship between interest revenue and expense and the daily average amounts of assets and liabilities, which provides further insight into net interest spread and net interest margin for the periods indicated.

FTE net interest revenue for the first quarter of 2026 was $234 million, representing an increase of $20.9 million, or 10%, from the same period in 2025. The net interest spreads for the first quarters of 2026 and 2025 were 2.92% and 2.46%, respectively. The net interest margins for the first quarters of 2026 and 2025 were 3.65% and 3.36%, respectively.

The interest rate environment changes over the past year included aggregate reductions of 75 basis points in the federal funds rate, which drove decreases in funding costs, and to a lesser extent, loan yields. As a result, the primary driver in the increase in FTE net interest revenue for the first quarter of 2026 was a $20.9 million decrease in deposit interest expense. Interest revenue from interest-earning assets decreased $1.28 million. Loan interest revenue increased $12.7 million compared to the same period of 2025, mostly driven by loan growth, while securities interest revenue decreased $12.7 million due to both a lower average balances and a decrease in the average rate earned. The increase in net interest revenue for the first quarter of 2026 also reflects net interest revenue from the loans and deposits acquired in the ANB merger, which closed on May 1, 2025. The increase in net interest margin and net interest spread was primarily driven by a steeper decrease in average rates paid on deposits compared to the decrease in rates earned on loans.

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Table 2 - Average Consolidated Balance Sheets and Net Interest Analysis
For the Three Months Ended March 31,
(dollars in thousands, (FTE))
 20262025
Average BalanceInterestAverage RateAverage BalanceInterestAverage Rate
Assets:      
Interest-earning assets:      
Loans, net of unearned income (FTE) (1)(2)
$19,403,795 $286,629 5.99 %$18,213,501 $273,930 6.10 %
Taxable securities (3)
5,926,885 44,483 3.00 6,737,658 57,172 3.39 
Tax-exempt securities (FTE) (1)(3)
346,420 2,202 2.54 356,712 2,245 2.52 
Other interest-earning assets308,424 1,755 2.31 400,592 3,001 3.04 
Total interest-earning assets (FTE)25,985,524 335,069 5.22 25,708,463 336,348 5.29 
Noninterest-earning assets:
Allowance for credit losses(212,867)(210,169)
Cash and due from banks200,085 219,540 
Premises and equipment393,853 396,443 
Other assets (3)
1,705,566 1,610,104 
Total assets$28,072,161 $27,724,381 
Liabilities and Shareholders' Equity:
Interest-bearing liabilities:
Interest-bearing deposits:
NOW and interest-bearing demand$5,853,104 28,129 1.95 $6,134,004 37,390 2.47 
Money market6,826,707 40,709 2.42 6,583,963 49,541 3.05 
Savings1,089,856 480 0.18 1,096,308 624 0.23 
Time3,651,034 28,183 3.13 3,446,048 30,831 3.63 
Brokered time deposits60,279 528 3.55 50,447 548 4.41 
Total interest-bearing deposits17,480,980 98,029 2.27 17,310,770 118,934 2.79 
Federal funds purchased and other borrowings107,668 998 3.76 80,760 1,107 5.56 
Federal Home Loan Bank advances102,278 969 3.84 38,900 433 4.51 
Long-term debt120,450 1,201 4.04 254,220 2,862 4.57 
Total borrowed funds330,396 3,168 3.89 373,880 4,402 4.77 
Total interest-bearing liabilities17,811,376 101,197 2.30 17,684,650 123,336 2.83 
Noninterest-bearing liabilities:
Noninterest-bearing deposits6,265,370 6,194,217 
Other liabilities337,611 369,939 
Total liabilities24,414,357 24,248,806 
Shareholders' equity3,657,804 3,475,575 
Total liabilities and shareholders' equity$28,072,161 $27,724,381 
Net interest revenue (FTE) $233,872 $213,012 
Net interest-rate spread (FTE)  2.92 %2.46 %
Net interest margin (FTE) (4)
  3.65 %3.36 %
 
(1)Interest revenue on tax-exempt securities and loans includes a taxable-equivalent adjustment to reflect comparable interest on taxable securities and loans. The FTE adjustment totaled $1.11 million and $991,000, respectively, for the three months ended March 31, 2026 and 2025. The tax rate used to calculate the adjustment was 25%, reflecting the statutory federal income tax rate and the federal tax adjusted state income tax rate.
(2)Included in the average balance of loans outstanding are loans on which the accrual of interest has been discontinued.
(3)Unrealized losses on AFS securities, including those related to the transfer from AFS to HTM, have been reclassified to other assets. Pretax unrealized losses of $176 million in 2026 and $269 million in 2025 are included in other assets for purposes of this presentation.
(4)Net interest margin is taxable equivalent net interest revenue divided by average interest-earning assets.
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Noninterest Income
 
The following table presents the components of noninterest income for the periods indicated.
Table 3 - Noninterest Income
(dollars in thousands)
 Three Months Ended
March 31,		Change
 20262025AmountPercent
Service charges and fees:
Overdraft fees$3,129 $3,027 $102 3 %
ATM and debit card fees3,606 3,776 (170)(5)
Other service charges and fees2,810 2,732 78 3 
Total service charges and fees9,545 9,535 10 — 
Mortgage loan gains and related fees8,029 6,122 1,907 31 
Wealth management fees4,629 4,465 164 4 
Net gains (losses) on sales of other loans1,893 1,396 497 36 
Lending and loan servicing fees3,971 4,165 (194)(5)
Securities gains, net133 6 127 n/m
Other noninterest income:
Customer derivative fees1,572 1,252 320 26 
Trading securities losses(1,074)— (1,074)n/m
Other investment income1,797 404 1,393 n/m
BOLI1,932 2,109 (177)(8)
Treasury management income2,393 1,983 410 21 
Other8,926 4,219 4,707 n/m
Total other noninterest income15,546 9,967 5,579 56 
Total noninterest income$43,746 $35,656 $8,090 23 

The increase in mortgage loan gains and related fees for the three months ended March 31, 2026 compared to the same period of 2025 was primarily a result of an increase in mortgage servicing income of $1.04 million, which includes fair value adjustments to our mortgage servicing asset. During the first quarter of 2026, we began an economic hedging strategy utilizing a trading securities portfolio, with the intention of offsetting the impact of the changes in the fair value of our mortgage servicing asset with the gains or losses on trading securities. During the first quarter of 2026, we recognized $1.07 million losses on trading securities, which is included in other noninterest income.

During the first quarter of 2026, other investment income reflects higher earnings on our fintech and limited partnership investments compared to the same period of 2025. Our other investment portfolio includes mutual funds, equity securities, fintech and other limited partnership investments. Gains and losses from these investments are generally unrealized.

The increase in other noninterest income was primarily driven by the $5.18 million gain on the termination of an interest rate cap accounted for as a cash flow hedge of our $100 million subordinated debt, for which redemption notice was provided in the first quarter of 2026. The subordinated debt was subsequently redeemed on April 30, 2026.

Provision for Credit Losses

We recorded provisions for credit losses of $10.9 million for the three months ended March 31, 2026, compared to $15.4 million for the same period of 2025. The amount of provision recorded in each period was the amount required such that the total ACL reflected the appropriate balance as determined by management reflecting expected life of loan losses. Additional discussion on credit quality and the ACL is included in the “Allowance for Credit Losses” section of MD&A in this Report.

35

Noninterest Expense

The following table presents the components of noninterest expense for the periods indicated.

Table 4 - Noninterest Expense
(dollars in thousands)
 Three Months Ended
March 31,		Change
 20262025AmountPercent
Salaries and employee benefits$101,249 $84,267 $16,982 20 %
Communications and equipment14,102 13,699 403 3 
Occupancy11,725 10,929 796 7 
Advertising and public relations2,397 1,881 516 27 
Postage, printing and supplies2,757 2,561 196 8 
Professional fees5,576 5,931 (355)(6)
Lending and loan servicing expense2,582 1,987 595 30 
Outside services - electronic banking3,559 2,763 796 29 
FDIC assessments and other regulatory charges2,269 4,642 (2,373)(51)
Amortization of intangibles3,063 3,286 (223)(7)
Merger-related and other charges873 1,297 (424)(33)
Other7,150 7,856 (706)(9)
Total noninterest expense$157,302 $141,099 $16,203 11 

The increase in salaries and employee benefits for the first quarter of 2026 compared to 2025 was mostly driven by the $6.70 million one-time payroll transition bonus described below, annual merit increases that went into effect on April 1, 2025, higher performance-related incentive compensation and the addition of ANB employees on May 1, 2025.

The one-time payroll transition bonus was a result of our first quarter transition from a semi-monthly payroll cycle to a bi-weekly payroll cycle in arrears. The bonus was paid to bridge the resulting gap in payroll dates due to the schedule change.

The decrease in FDIC assessments and other regulatory charges reflects a $1.89 million accrual reversal of the FDIC special assessment related to certain 2023 bank failures, as the FDIC announced it no longer intended to collect the remainder of the assessment. In addition, our assessment rate for the first quarter of 2026 decreased compared to the first quarter of 2025.

Income Tax Expense

The following table presents income tax expense and the effective tax rate for the periods indicated.

Table 5 - Income Tax Expense
(dollars in thousands)
Three Months Ended
March 31,
20262025
Income before income taxes$108,355 $91,159 
Income tax expense24,066 19,746 
Effective tax rate22.2 %21.7 %

Managing Risk

Our business purpose is to provide financial services and products to customers, which inherently comes with risk. We strive to manage, mitigate and optimize that risk appropriately. We maintain an enterprise risk framework that provides for the structure of the governance and oversight of our primary risk categories, which include credit, liquidity, market/interest rate, capital, strategic, operational, legal/compliance and reputation. The objective of our risk framework is to establish a formal structure for identifying, assessing, managing, monitoring and reporting risks in order to assist the Bank in achieving its strategic objectives.

The following discussion of our financial results and activities for the periods covered by this Report are grouped into their most relevant risk categories of Credit Risk Management, Liquidity Risk Management, Market / Interest Rate Risk Management and
36

Capital Risk Management. For more information on our risks, see Item 1A. Risk Factors and the Managing Risk section in MD&A of the 2025 10-K.

Credit Risk Management

Our loan portfolio is the largest asset class on our balance sheet; therefore, credit risk management plays a key role in our overall risk management infrastructure. Credit risk is inherent to the lending function; thus, a sound risk management system is essential to maximize returns within acceptable risk parameters.

Asset Quality
 
We manage asset quality and control credit risk through review and oversight of the loan portfolio as well as adherence to policies designed to promote sound underwriting and loan monitoring practices. Our credit risk management function is responsible for monitoring asset quality and Board approved portfolio concentration limits, establishing credit policies and procedures and enforcing the consistent application of these policies and procedures.
 
We conduct reviews of classified performing and non-performing loans, FDMs, past due loans and portfolio concentrations on a regular basis to identify risk migration and potential charges to the ACL. These items are discussed in a series of meetings attended by Credit Risk Management and other senior leadership from various lending groups. In addition to the reviews mentioned above, an independent loan review team reviews the portfolio to ensure consistent application of credit and risk rating policies and procedures.

For more information, see Credit Risk Management in the MD&A of the 2025 10-K.

Loans

As of March 31, 2026, loans totaled $19.6 billion, compared to $19.4 billion at December 31, 2025. The increase was primarily driven by organic loan growth, particularly in our commercial portfolio.

Allowance for Credit Losses

The ACL reflects our assessment of the life of loan expected credit losses in the loan portfolio and unfunded loan commitments. This assessment involves uncertainty and judgment and is subject to change in future periods. See the Critical Accounting Estimates section of MD&A in our 2025 10-K for additional information on the ACL.

The ACL for loans at March 31, 2026 totaled $208 million compared to $210 million at December 31, 2025 and the ACL for loans as a percentage of total loans decreased slightly to 1.06% from 1.09%. The decrease in the ACL was primarily attributable to a more positive economic forecast at March 31, 2026 compared to December 31, 2026. Our ACL for unfunded commitments, which totaled $17.6 million, increased $2.51 million compared to December 31, 2025 mostly due to an increase in our construction commitments.
37


The following tables provide information on loans and the ACL for the periods indicated. See Note 3 to the consolidated financial statements for further information on loans and the ACL.

Table 6 - Loan Portfolio Composition and ACL Allocation
(dollars in thousands)
March 31, 2026December 31, 2025
Loans% of portfolioACLACL to LoansLoans% of portfolioACLACL to Loans
Owner occupied CRE$4,040,518 21 %$25,127 0.62 %$3,949,898 20 %$24,888 0.63 %
Income producing CRE4,983,718 25 41,358 0.83 5,032,342 26 44,071 0.88 
Commercial & industrial2,770,924 14 43,696 1.58 2,696,291 14 43,269 1.60 
Commercial construction & land1,072,140 5 10,198 0.95 997,802 5 8,286 0.83 
Equipment financing1,896,828 10 42,862 2.26 1,847,999 10 45,852 2.48 
Total commercial14,764,128 75 163,241 1.11 14,524,332 75 166,366 1.15 
Residential mortgage3,122,361 16 29,333 0.94 3,157,017 16 29,241 0.93 
Home equity1,343,785 7 12,769 0.95 1,319,474 7 11,849 0.90 
Residential construction & land185,353 1 1,900 1.03 190,625 1 1,799 0.94 
Consumer186,891 1 1,153 0.62 187,536 1 1,174 0.63 
Total (1)
$19,602,518 $208,396 1.06 $19,378,984 $210,429 1.09 
(1) Loans presented exclude fair value hedge basis adjustments.
38

The following table provides a summary of net charge-offs to average loans for the periods indicated.
Table 7 - Net Charge-offs to Average Loans
(dollars in thousands)
 Three Months Ended
March 31,
 20262025
Net charge-offs (recoveries)
Owner occupied CRE$666$126
Income producing CRE(85)718
Commercial & industrial3,3092,447
Commercial construction6(138)
Equipment financing5,8355,042
Residential mortgage133(1)
Home equity(54)(62)
Residential construction12219
Consumer5551,256
Total net charge-offs$10,377$9,607
Average loans
Owner occupied CRE$3,955,804$3,393,849
Income producing CRE4,985,0594,369,597
Commercial & industrial2,699,6742,456,768
Commercial construction1,083,5551,661,366
Equipment financing1,838,9921,685,187
Residential mortgage3,146,8173,210,729
Home equity1,316,6361,077,463
Residential construction191,373173,987
Consumer185,885184,555
Total average loans$19,403,795$18,213,501
Net charge-offs to average loans (1)
Owner occupied CRE0.07 %0.02 %
Income producing CRE(0.01)0.07 
Commercial & industrial0.50 0.40 
Commercial construction— (0.03)
Equipment financing1.29 1.21 
Residential mortgage0.02 — 
Home equity(0.02)(0.02)
Residential construction0.03 0.51 
Consumer1.21 2.76 
Total0.22 0.21 
(1) Annualized.

39


Nonperforming Assets

The table below summarizes NPAs for the periods indicated. NPAs include nonaccrual loans, OREO and repossessed assets. The main driver of the increase in nonaccrual loans since December 31, 2025 was a small population of larger owner-occupied CRE loans moving to nonaccrual during the first quarter of 2026.

Table 8 - NPAs
(dollars in thousands)
March 31,
2026		December 31,
2025		$ Change
Nonaccrual loans:
Owner occupied CRE$18,265 $11,165 $7,100 
Income producing CRE11,037 11,488 (451)
Commercial & industrial19,890 18,294 1,596 
Commercial construction & land17 18 (1)
Equipment financing8,024 10,383 (2,359)
Total commercial57,233 51,348 5,885 
Residential mortgage31,906 32,423 (517)
Home equity6,209 5,247 962 
Residential construction & land355 1,079 (724)
Consumer1,009 1,001 8 
Total
96,712 91,098 5,614 
OREO and repossessed assets1,911 2,400 (489)
Total NPAs$98,623 $93,498 $5,125 
Nonaccrual loans as a percentage of total loans0.49 %0.47 %
NPAs as a percentage of total assets0.35 0.33 
ACL - loans to nonaccrual loans coverage ratio2.152.31

Concentration Considerations

Commercial loans make up 75% of our loan portfolio, which includes owner occupied and income producing real estate, commercial and industrial, commercial construction and land and equipment financing loans.

Approximately 75% of our loan portfolio is secured by real estate and therefore, can be affected by changes in real estate valuation.

40

Non-owner occupied CRE loans
The following table provides industry concentrations of our non-owner occupied CRE loans, which include the income producing CRE portfolio and non-owner occupied commercial construction loans as of the dates indicated.

Table 9 - Industry Concentrations of Non-Owner Occupied CRE Loans
(dollars in thousands)
March 31, 2026December 31, 2025

Total
% of loans in category
Total
% of loans in category
Retail$1,369,110 23 %$1,338,882 23 %
Office923,072 16 898,359 15 
Multifamily830,929 14 889,579 15 
Warehouse and industrial678,827 11 656,749 11 
Hotel458,708 8 487,467 8 
Builder finance375,562 6 360,698 6 
Rental 1-4 family330,665 6 325,105 6 
Self storage304,431 5 296,583 5 
Other282,825 5 265,937 5 
Senior care195,811 3 204,558 3 
Land150,494 3 155,956 3 
Total
$5,900,434 100 %$5,879,873 100 %

Liquidity Risk Management

Liquidity is defined as the ability to convert assets into cash or cash equivalents without significant loss and to raise additional funds by increasing liabilities. The primary objective of liquidity management is to maintain the ability to meet the daily cash flow requirements of customers, both depositors and borrowers, at a reasonable cost. As part of our liquidity management, we focus on maximizing the amount of securities and loans available as collateral for contingent liquidity sources and calibrating our assumptions in our liquidity stress test on an ongoing basis, particularly as it relates to deposit duration. We maintain an unencumbered liquid asset reserve to help ensure our ability to meet our obligations under normal conditions for at least a 12-month period and under severely adverse liquidity conditions for a minimum of 30 days. While the desired level of liquidity will vary depending upon a variety of factors, our primary goal is to maintain a sufficient level of liquidity in all expected economic environments.

The Bank’s main source of liquidity is customer deposit accounts. Liquidity is also available from cash and cash equivalents and wholesale funding sources consisting primarily of Federal funds purchased, securities sold under agreements to repurchase, FHLB advances and brokered deposits. Wholesale funding instruments are generally short-term in nature and used as necessary to fund asset growth and meet other short-term liquidity needs. At the end of 2025 and through most of the first quarter of 2026, due to loan growth and some seasonal deposit attrition, we utilized modest short-term borrowings to meet short-term funding needs. At December 31, 2025, we had $85.0 million of outstanding federal funds purchased. By March 31, 2026, we were able to meet our funding needs without the use of wholesale borrowings and had no outstanding short-term borrowings at quarter-end. Our loan and securities portfolios also provide liquidity primarily through loan principal and interest payments and the maturities and sales of securities, as well as the ability to use these assets as collateral for borrowings on a secured basis.

For more information, see Liquidity Risk Management in the MD&A of the 2025 10-K.
41

At March 31, 2026 and December 31, 2025, we had sufficient liquid funds and qualifying collateral to support additional borrowings, which are detailed in the table below.
Table 10 - Liquid Funds and Unused Borrowing Capacity
(in thousands)
March 31, 2026December 31, 2025
Available liquid funds:
Cash and cash equivalents$493,141 $395,754 
Unused Borrowing Capacity (1):
FHLB2,043,856 2,006,045 
Federal Reserve - Discount Window2,074,410 2,347,191 
Unpledged securities available as collateral for additional borrowings3,016,327 3,007,534 
(1) Based on collateral pledged.

In addition, because the Holding Company is a separate entity and distinct from the Bank, it must provide for its own liquidity. The Holding Company is responsible for the payment of dividends declared for its common shareholders, and interest and principal on any outstanding debt or trust preferred securities. The Holding Company currently has sufficient liquid assets to meet these obligations. Holding Company liquidity is maintained at a level of at least 125% of the next 12 months of forecasted cash obligations.
In the opinion of management, our liquidity position at March 31, 2026 was sufficient to meet our expected cash flow requirements for the foreseeable future. See the consolidated statement of cash flows for further detail.

Deposits

Customer deposits are the primary source of funds for the continued growth of our earning assets. We believe our high level of service, as evidenced by our strong customer satisfaction scores, is instrumental in attracting and retaining customer deposit accounts. Since December 31, 2025, customer deposits increased $237 million, primarily driven by the increase in noninterest demand deposits. As of March 31, 2026, we had approximately $10.1 billion of uninsured deposits, of which $2.99 billion was collateralized by investment securities.

Table 11 - Deposits
(dollars in thousands)
March 31, 2026December 31, 2025
Balance
% of TotalBalance% of Total
Noninterest-bearing demand$6,473,101 27 %$6,252,252 26 %
NOW and interest-bearing demand5,900,748 25 5,969,864 25 
Money market and savings7,821,806 32 7,781,861 33 
Time3,664,706 15 3,619,189 15 
Total customer deposits23,860,361 99 23,623,166 99 
Brokered deposits164,704 1 175,264 1 
Total deposits$24,025,065 $23,798,430 

Investment Securities

The composition of the investment securities portfolio reflects our investment strategy of maintaining an appropriate level of liquidity while providing a relatively stable source of revenue. The investment securities portfolio also provides a balance to interest rate risk and credit risk in other categories of the balance sheet while providing a vehicle for the investment of available funds, furnishing liquidity, and supplying securities to pledge as required collateral for certain deposits and borrowings. The table below summarizes the carrying value of our securities portfolio and other relevant portfolio metrics including weighted-average life and effective duration as
42

of the dates presented. Effective duration represents the expected change in the price of a security when rates change by 100 basis points.

Table 12 - Investment Securities
(dollars in thousands)
March 31, 2026December 31, 2025
Carrying Value
% of portfolio
Carrying Value
% of portfolio
$ Change
AFS
$3,574,546 62 %$3,750,863 63 %$(176,317)
HTM
2,211,523 38 2,237,356 37 (25,833)
   Total investment securities
$5,786,069 $5,988,219 $(202,150)
Investment securities as a % of total assets
21 %21 %
Weighted average life
5.4 years5.4 years
Swap adjusted effective duration
3.5 %3.5 %
Effective duration
3.8 3.8 
We utilize fair value hedges on a portion of our AFS securities portfolio in order to mitigate the impact of potential future unrealized losses on our tangible common equity. Gains and losses related to the hedge and hedged item are reflected in investment securities interest income. The changes in the fair value of the hedge and the hedged item substantially offset each other. See Note 4 to the financial statements for further detail.
At March 31, 2026, HTM debt securities had a fair value of $1.88 billion, indicating net unrealized losses of $333 million (pre-tax). Additional unrealized losses on HTM debt securities of $50.0 million (pre-tax) were included in AOCI as a result of the transfer of AFS debt securities to HTM in 2022. Unrealized losses were primarily attributable to changes in interest rates.
See Note 2 to the consolidated financial statements for additional detail on investment securities.

Borrowing Activities

At March 31, 2026 and December 31, 2025, we had long-term debt outstanding of $121 million and $120 million, respectively, which includes subordinated debentures and trust preferred securities. During the first quarter of 2026, holders of our $100 million subordinated debentures were notified that the debt would be redeemed prior to maturity, on April 30, 2026. At March 31, 2026 there were no short-term borrowings outstanding, compared to $85.0 million at December 31, 2025. The need to utilize wholesale funding sources has decreased because our liquidity needs have been met by our deposit and cash balances.

Contractual Obligations and Off-Balance Sheet Arrangements

There have not been any material changes to our contractual obligations and off-balance sheet arrangements since December 31, 2025.
 
Interest Rate Sensitivity Management

Interest rate sensitivity is a function of the repricing characteristics of the portfolio of assets and liabilities. Repricing characteristics are the time frames within which the interest rates on interest-earning assets and interest-bearing liabilities are subject to change either at replacement, repricing or maturity.

Management uses an asset/liability simulation model to measure the potential change in net interest revenue over time using multiple interest rate scenarios. Our modeling is based on the 12-month impact on net interest revenue simulations with various interest rate shocks and ramps, which are compared to a base scenario that assumes rates remain unchanged. In the shock scenarios, rates immediately change the full amount at the scenario onset. In the ramp scenarios, rates change by 25 basis points per month until they reach the predetermined levels.

The following table presents our estimated interest sensitivity position at the dates indicated. The scenario results presented assume parallel movements in the yield curve, which may differ from actual future curve behavior. Other than an assumption for the runoff of estimated surge deposits, which is assumed to be replaced with higher cost wholesale funding, this presentation generally assumes no change in deposit portfolio size or composition.

43

Table 13 - Interest Sensitivity
 Increase (Decrease) in Net Interest Revenue from Base Scenario at
 March 31, 2026December 31, 2025
Change in RatesShockRampShockRamp
200 basis point increase(0.55)%0.17 %0.52 %0.66 %
100 basis point increase(0.12)0.10 0.41 0.39 
100 basis point decrease(0.25)(0.40)(0.81)(0.69)
200 basis point decrease(0.75)(0.81)(2.06)(1.35)

The change in results from December 31, 2025 to March 31, 2026 are primarily driven by a reduction in notional pay-fixed, receive float swaps.

Capital Risk Management

The maintenance and management of capital levels is one of management’s significant priorities. We are committed to maintaining a capital position that will support ongoing operations and achieve our strategic objectives. The ALCO and the Board are responsible for establishing capital adequacy risk ranges that are appropriate given the risks to which we are exposed and the environment in which we operate. Current and projected capital levels are compared to the capital adequacy risk ranges and reported quarterly to the ALCO and the Board. We utilize a baseline capital forecast as part of our capital management and planning process to evaluate current and future capital needs. We also use hypothetical stressed scenarios and sensitivity analyses, based on changing economic conditions and scenarios, including potential merger and acquisition transactions and debt/capital market activities. Forecasting alternative capital scenarios helps inform overall capital adequacy and capital ranges.

Shareholders’ Equity Highlights
 
Shareholders’ equity at March 31, 2026 was $3.65 billion, an increase of $16.0 million from December 31, 2025 primarily due to year-to-date earnings of $84.3 million, partially offset by common stock repurchases of $37.4 million and dividends declared on common stock of $30.4 million.

Regulatory Capital

The following table shows capital composition as of March 31, 2026 and December 31, 2025.

Table 14 - Capital Composition under Basel III
(in thousands)
United Community Banks, Inc. (Consolidated)United Community Bank
March 31,
2026		December 31,
2025		March 31,
2026		December 31,
2025
Total common shareholders' equity$3,654,666 $3,638,686 $3,386,971 $3,391,455 
Goodwill(925,119)(925,119)(925,119)(925,119)
Intangibles, other than goodwill and mortgage servicing rights, net of associated DTLs(34,775)(37,274)(34,775)(37,274)
DTAs arising from net operating loss and tax credit carryforwards(4,282)(2,133)(3,604)(2,156)
Net unrealized losses on AFS securities118,717 117,606 118,077 116,985 
Accumulated net gains on cash flow hedges(1,659)(5,618)— — 
Net unrealized losses on HTM securities that are included in AOCI37,014 38,308 37,014 38,308 
Other266 276 266 276 
CET1 / Tier 1 Capital2,844,828 2,824,732 2,578,830 2,582,475 
Tier 2 capital instruments45,000 65,000 — — 
Qualifying ACL216,700 215,074 216,700 215,074 
Total capital$3,106,528 $3,104,806 $2,795,530 $2,797,549 
44


The following table shows capital ratios, as calculated under applicable regulatory guidelines, at March 31, 2026 and December 31, 2025. As of March 31, 2026, capital levels remained characterized as “well-capitalized” under regulatory requirements in effect at the time. Additional information related to capital ratios is provided in Note 8 to the consolidated financial statements.

Table 15 - Capital Ratios
United Community Banks, Inc.
(Consolidated)		United Community Bank
MinimumWell-
Capitalized		Minimum Capital Plus Capital Conservation BufferMarch 31,
2026		December 31,
2025		March 31,
2026		December 31,
2025
Risk-based ratios:
CET1 capital4.5 %6.5 %7.0 %13.40 %13.44 %12.19 %12.34 %
Tier 1 capital6.0 8.0 8.5 13.40 13.44 12.19 12.34 
Total capital8.0 10.0 10.5 14.63 14.77 13.21 13.37 
Leverage ratio4.0 5.0 N/A10.45 10.28 9.50 9.42 

Effect of Inflation and Changing Prices
 
A bank’s asset and liability structure is substantially different from that of an industrial firm in that primarily all assets and liabilities of a bank are monetary in nature with relatively little investment in fixed assets or inventories. Management believes the effect of inflation on financial results depends on our ability to react to changes in interest rates, and by such reaction, reduce the inflationary effect on performance. We have an asset/liability management program to manage interest rate sensitivity. In addition, periodic reviews of banking services and products are conducted to adjust pricing in view of current and expected costs.

Critical Accounting Estimates
 
In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and revenues and expenses for the period. Our accounting and reporting estimates are in accordance with GAAP and conform to customary practices within the banking industry. Estimates that are susceptible to significant changes include accounting for the ACL and fair value measurements, both of which require significant judgments by management. Actual results could differ significantly from those estimates. Also, different assumptions in the application of these accounting estimates could result in material changes in our consolidated financial position or consolidated results of operations. Our critical accounting estimates are discussed in MD&A in our 2025 10-K.


45

UNITED COMMUNITY BANKS, INC.
Table 16 (Continued) - Financial Highlights
Non-GAAP Performance Measures Reconciliation
(dollars in thousands, except per share data)
20262025
 
First Quarter
Fourth Quarter
Third Quarter
Second Quarter
First Quarter
Noninterest income reconciliation
Noninterest income (GAAP)$43,746$40,462$43,219$34,708$35,656
Gain on terminated cash flow hedge(5,184)————
Noninterest income - operating$38,562$40,462$43,219$34,708$35,656
Noninterest expense reconciliation     
Noninterest expense (GAAP)$157,302$152,048$150,868$147,919$141,099
Payroll transition bonus(6,704)————
FDIC special assessment accrual reversal1,885————
Merger-related and other charges(873)(606)(3,468)(4,833)(1,297)
Noninterest expense - operating$151,610$151,442$147,400$143,086$139,802
Net income to operating income reconciliation
Net income (GAAP)$84,289$86,455$91,494$78,733$71,413
Gain on terminated cash flow hedge(5,184)————
Payroll transition bonus6,704————
FDIC special assessment accrual reversal(1,885)————
Merger-related and other charges8736063,4684,8331,297
Income tax benefit of non-operating items(113)(133)(751)(1,047)(281)
Net income - operating$84,684$86,928$94,211$82,519$72,429
Diluted income per common share reconciliation
Diluted income per common share (GAAP)$0.69$0.70$0.70$0.63$0.58
Gain on terminated cash flow hedge(0.03)————
Payroll transition bonus0.04————
FDIC special assessment accrual reversal(0.01)————
Merger-related and other charges0.010.010.020.030.01
Deemed dividend on preferred stock redemption——0.03——
Diluted income per common share - operating$0.70$0.71$0.75$0.66$0.59
Book value per common share reconciliation
Book value per common share (GAAP)$30.54$30.17$29.44$28.89$28.42
Effect of goodwill and other intangibles(7.98)(7.93)(7.85)(7.89)(7.84)
Tangible book value per common share$22.56$22.24$21.59$21.00$20.58
Return on tangible common equity reconciliation
Return on common equity (GAAP)9.35 %9.48 %9.20 %8.45 %7.89 %
Gain on terminated cash flow hedge(0.45)— — — — 
Payroll transition bonus0.58 — — — — 
FDIC special assessment accrual reversal(0.16)— — — — 
Merger-related and other charges0.07 0.05 0.29 0.42 0.12 
Deemed dividend on preferred stock redemption— — 0.34 — — 
Return on common equity - operating9.39 9.53 9.83 8.87 8.01 
Effect of goodwill and other intangibles3.66 3.78 3.73 3.47 3.20 
Return on tangible common equity - operating13.05 %13.31 %13.56 %12.34 %11.21 %
Return on assets reconciliation
Return on assets (GAAP)1.22 %1.21 %1.29 %1.11 %1.02 %
Gain on terminated cash flow hedge(0.06)— — — — 
Payroll transition bonus0.07 — — — — 
FDIC special assessment accrual reversal(0.02)— — — — 
Merger-related and other charges0.01 0.01 0.04 0.05 0.02 
Return on assets - operating1.22 %1.22 %1.33 %1.16 %1.04 %
46

UNITED COMMUNITY BANKS, INC.
Table 16 (Continued) - Financial Highlights
Non-GAAP Performance Measures Reconciliation
(dollars in thousands, except per share data)
20262025
 
First Quarter
Fourth Quarter
Third Quarter
Second Quarter
First Quarter
Efficiency ratio reconciliation
Efficiency ratio (GAAP)56.66 %54.40 %54.30 %56.69 %56.74 %
Gain on terminated cash flow hedge1.03 — — — — 
Payroll transition bonus(2.41)— — — — 
FDIC special assessment accrual reversal0.68 — — — — 
Merger-related and other charges(0.31)(0.21)(1.25)(1.85)(0.52)
Efficiency ratio - operating55.65 %54.19 %53.05 %54.84 %56.22 %
Tangible common equity to tangible assets reconciliation
Equity to total assets (GAAP)12.97 %12.99 %12.78 %12.86 %12.56 %
Effect of goodwill and other intangibles(3.05)(3.07)(3.07)(3.10)(3.06)
Effect of preferred equity— — — (0.31)(0.32)
Tangible common equity to tangible assets9.92 %9.92 %9.71 %9.45 %9.18 %

Item 3.    Quantitative and Qualitative Disclosure About Market Risk
 
There have been no material changes in our market risk as of March 31, 2026 from that presented in our 2025 10-K. Our interest rate sensitivity position at March 31, 2026 is set forth in Table 13 in MD&A of this Report and incorporated herein by this reference.
 
Item 4.    Controls and Procedures

    (a) Disclosure Controls and Procedures. Under the supervision and with the participation of our management, including our principal executive officer and principal financial officer, we conducted an evaluation of our disclosure controls and procedures (as such term is defined in Exchange Act Rule 13a-15(e)) as of March 31, 2026. Based on that evaluation, our principal executive officer and chief financial officer concluded that our disclosure controls and procedures were effective as of the end of the period covered by this Report.

    (b) Changes in Internal Control Over Financial Reporting. No change in our internal control over financial reporting (as such term is defined in Exchange Act Rule 13a-15(f)) occurred during the fiscal quarter ended March 31, 2026 that materially affected, or is reasonably likely to materially affect, our internal control over financial reporting.
47

Part II. OTHER INFORMATION 

Items 1A. Risk Factors

Except with respect to the additional risk factor related to the proposed Peach State merger set forth below, there have been no material changes to the risk factors previously disclosed in the 2025 10-K.

Combining United and Peach State may be more difficult, costly or time-consuming than expected, and the anticipated benefits and cost savings of the merger and the bank merger may not be realized.
United and Peach State have operated and, until the completion of the merger, will continue to operate independently. The success of the merger and the bank merger, including anticipated benefits and cost savings, will depend, in part, on United’s ability to successfully combine and integrate the businesses of United and Peach State in a manner that permits growth opportunities and does not materially disrupt the existing customer relations or result in decreased revenues due to loss of customers. It is possible that the integration process could result in the loss of key employees, the disruption of either company’s ongoing businesses or inconsistencies in standards, controls, procedures and policies that adversely affect the combined company’s ability to maintain relationships with clients, customers, depositors and employees or to achieve the anticipated benefits and cost savings of the merger and the bank merger. Integration efforts between the two companies could have an adverse effect on each of United and Peach State during the transition period and for an undetermined period after completion of the merger on the combined company. In addition, the actual cost savings of the merger and the bank merger could be less than anticipated.

Item 2. Unregistered Sales of Equity Securities and Use of Proceeds

Issuer Purchases of Equity Securities
The following table contains information regarding purchases of our common stock made during the quarter ended March 31, 2026 by or on behalf of United or any “affiliated purchaser,” as defined by Rule 10b-18(a)(3) of the Exchange Act:

Common Stock Repurchases
(Dollars in thousands, except for per share amounts)Total Number of Shares
Purchased
Average
Price Paid
per Share(1)(2)
Total Number of
Shares Purchased
as Part of Publicly
Announced Plans
or Programs
Approximate Dollar
Value of Shares that May
Yet Be Purchased Under
the Plans or Programs (2)(3)
January 1, 2026 - January 31, 2026
1,090,402 $33.97 1,090,402 $62,906 
February 1, 2026 - February 28, 2026
— — — 62,906 
March 1, 2026 - March 31, 2026
— — — 62,906 
Total1,090,402 $33.97 1,090,402 
 
(1) Excludes commissions.
(2) Excludes excise tax on share repurchases.
(3) Under United’s common stock repurchase program, management is authorized to repurchase up to $100 million of its common stock. The program is scheduled to expire on the earlier of the repurchase of our common stock having an aggregate purchase price of $100 million or December 31, 2026. A more detailed description of United’s common stock repurchase plan is included in our 2025 10-K.

Item 5. Other Information

During the quarter ended March 31, 2026, no director or officer of the Company adopted, modified or terminated a “Rule 10b5-1 trading arrangement” or “non-Rule 10b5-1 trading arrangement,” as each term is defined in Item 408(a) of Regulation S-K.

48

Item 6. Exhibits

(d)     Exhibits. See Exhibit Index below.

EXHIBIT INDEX
Exhibit No. Description
3.1
Restated Articles of Incorporation of United Community Banks, Inc. as amended through August 13, 2021 (incorporated herein by reference to Exhibit 3.1 to United Community Bank Inc.'s Quarterly Report on Form 10-Q for the period ended September 30, 2021, filed on November 5, 2021).
3.2
Amended and Restated Bylaws of United Community Banks, Inc., as amended (incorporated herein by reference to Exhibit 3.2 to United Community Banks, Inc.’s Quarterly Report on Form 10-Q for the period ended March 31, 2015, filed with the SEC on May 11, 2015).
31.1
 
Certification by H. Lynn Harton, Chairman, Chief Executive Officer and President of United Community Banks, Inc., pursuant to Exchange Act Rule 13a-14(a).
31.2
 
Certification by Jefferson L. Harralson, Executive Vice President and Chief Financial Officer of United Community Banks, Inc., pursuant to Exchange Act Rule 13a-14(a).
32
 
Certification of CEO and CFO pursuant to 18 U.S.C. Section 1350.
101
Interactive data files for United Community Bank, Inc.’s Quarterly Report on Form 10-Q for the quarter ended March 31, 2026, formatted in Inline XBRL: (i) the Consolidated Balance Sheets (unaudited); (ii) the Consolidated Statements of Income (unaudited); (iii) the Consolidated Statements of Comprehensive Income (unaudited); (iv) the Consolidated Statements of Changes in Shareholders’ Equity (unaudited); (v) the Consolidated Statements of Cash Flows (unaudited); and (vi) the Notes to Consolidated Financial Statements (unaudited).
104
The cover page from United Community Bank’s Quarterly Report on Form 10-Q for the quarter ended March 31, 2026 (formatted in Inline XBRL and included in Exhibit 101)


49

Signatures
 
Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned thereunto duly authorized.
 
 UNITED COMMUNITY BANKS, INC.
  
 /s/ H. Lynn Harton
 H. Lynn Harton
 
Chairman, Chief Executive Officer and President
 (Principal Executive Officer)
  
 /s/ Jefferson L. Harralson
 Jefferson L. Harralson
 Executive Vice President and Chief Financial Officer
 (Principal Financial Officer)
  
 /s/ Alan H. Kumler
 Alan H. Kumler
 Senior Vice President and Chief Accounting Officer
 (Principal Accounting Officer)
  
 
Date: May 6, 2026
 

50

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